3937 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3937 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,268 sqft · built 2006
Lot Size	0.037 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Feb 2022)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129485`

Property Details

APN / Parcel Number

Primary APN	`129485`
Alternative APN	`042630073100010660`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,268 sqft Heated Area
Gross Area	1,541 sqft
Upper Floors Area	1,203 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.037 acres)
Garage Type	Finished
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	129485
Street Address	3937 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1543
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 66
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	1
Legal Lot Number	66
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

3937 Pemberly Pines Cir, a townhouse, is owned and occupied by an individual who bought it in February 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3937 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Feb 24, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Nov 14, 2018	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2022 · Amount on File
Deed Sale	Feb 9, 2022 · Amount on File
Prior Sale	Feb 24, 2021 · Amount on File
Deed Document Number	2022021715
Deed Book / Page	6146 / 2396
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2022
Property Address	3937 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0061462396
Book / Page	6146 / 2396
Map Reference	MB 17 PG 77
Instrument Date	Feb 4, 2022
Instrument	2022021715
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 TILLINGHAST DR, 9102, TAMPA, FL 33626-1609

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 DITMARS ST, BROOKLYN, NY 11221-2505

Mortgage

Document Number	0061462397
Date	Feb 9, 2022
Instrument	6146/2397

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 24, 2021
Property Address	3937 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0058971546
Book / Page	5897 / 1546
Map Reference	MB 17 PG 77-79
Instrument Date	Feb 22, 2021
Instrument	2021026723
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1964 N MILWAUKEE AVE APT 407, 1964, CHICAGO, IL 60647-0481

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9102 TILLINHAST DR, TAMPA, FL 33626-1609

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3937 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0054350942
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2733 W BELDEN AVE #807 CHICAGO IL 606472463, 807, CHICAGO, IL 60647-2463

Mortgage

Document Number	0054350942
Date	Nov 19, 2018
Book Page	005435/000942
Instrument	170186

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3937 Pemberly Pines Cir was $2,859 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$2,859.00 Homeowner's exemption	$202,610	$205,500 Land $35,000 Building $170,500
2023	$2,904.00 (-4.54%) Homeowner's exemption	$203,400 (+20.64%) Land $14,900 Building $188,500	$203,400 (+20.64%) Land $14,900 Building $188,500
2022	$3,042.00	$168,600 Land $14,900 Building $153,700	$168,600 Land $14,900 Building $153,700

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

Flood

FEMA maps place 3937 Pemberly Pines Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 3937 Pemberly Pines Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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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