3933 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3933 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,768 sqft · built 2005
Lot Size	0.029 acres (1,263 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Jun 2026)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0670`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0670`
Alternative APNs	`263004073100010670` `129486`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	2,181 sqft
1st Floor Area	880 sqft
Upper Floors Area	888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,263 sqft (0.029 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	14 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3933 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 67
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	670
Legal Lot Number	67
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

Source: Osceola County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2750 WADEVIEW LOOP, SAINT CLOUD, FL 34769-6532
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 6, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage NMB HM LNS INC
Feb 28, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	202671157
Deed Book / Page	6979 / 2522
Prior Transfer Date	Feb 25, 2019
Prior Transfer Doc	0054832174
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0060351401
Date	Sep 2, 2021
Book Page	6035/1401
Instrument	2021136599

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0063540969
Date	Feb 6, 2023
Book Page	6354/969
Instrument	2023014457

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Sep 1, 2051

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2026
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0000071157
Book / Page	6979 / 2522
Instrument Date	May 27, 2026
Instrument	202671157
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	ANCONA TITLE, NONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180,285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2750 WADEVIEW LOOP, SAINT CLOUD, FL 34769-6532

Mortgage

Document Number	0000071158,
Date	Jun 2, 2026
Instrument	202671158

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2026
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0069792522
Book / Page	6979 / 2522
Instrument Date	May 27, 2026
Instrument	202671157
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONA TITLE INC, NONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180,285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2750 WADEVIEW LOOP, SAINT CLOUD, FL 34769-6532

Mortgage

Document Number	0000071158,
Date	Jun 2, 2026
Instrument	202671158

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0057902803
Date	Sep 10, 2020
Book Page	5790/2803
Instrument	2020120598

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 1, 2019
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0055971850
Book / Page	005597 / 001850
Instrument Date	Sep 25, 2019
Instrument	126017
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	LANDING TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,288.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3933 PEMBERLY PINES CIR ST CLOUD FL 347691543, ST CLOUD, FL 34769-1543

Mortgage

Document Number	55971852
Date	Oct 1, 2019
Book Page	005597/001852
Instrument	126018

Lender

Name	NMB HM LNS INC
Address	LEBANON, NJ 08833

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2019
Property Address	3933 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0054832174
Book / Page	005483 / 002174
Instrument Date	Feb 25, 2019
Instrument	25509
Transaction Type	Transfer
Record Updated	Mar 13, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15074 SW 19TH ST MIRAMAR FL 330274324, MIRAMAR, FL 33027-4324

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,242.00 (+6.86%)	$168,171 (+5.99%)	$244,800 (-0.81%) Land $35,000 Building $209,800
2023	$2,098.00 (+4.02%) Homeowner's exemption	$158,672 (+3%)	$246,800 (+20.92%) Land $14,900 Building $231,900
2022	$2,017.00 Homeowner's exemption	$154,051	$204,100 Land $14,900 Building $189,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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