3947 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3947 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,588 sqft · built 2005
Lot Size	0.024 acres (1,045 sqft)
Owner	Individual Name on File
Last Sale	$192,900 (Oct 2020)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Jun 2023 Transfer Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0620`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0620`
Alternative APNs	`263004073100010620` `129481`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	2,029 sqft
1st Floor Area	788 sqft
Upper Floors Area	800 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	1,045 sqft (0.024 acres)
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3947 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 62
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	620
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

3947 Pemberly Pines Cir is owned and occupied by an individual who acquired it in June 2023.

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	Individual Name on File
Mailing Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Intrafamily Transfer, Transfer
Oct 6, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on File
Deed Sale	Oct 6, 2020 · Amount on File
Prior Sale	Aug 2, 2016 · Amount on File
Deed Document Number	2020134026
Deed Book / Page	5807 / 1255
Last Transfer Date	Jun 7, 2023
Transfer Doc	0064210599
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2023
Property Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0064210599
Book / Page	6421 / 599
Map Reference	MB 17 PG 77-79
Instrument Date	Jun 7, 2023
Instrument	2023073738
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2020
Property Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0058071255
Book / Page	5807 / 1255
Map Reference	MB 17 PG 77-79
Instrument Date	Oct 2, 2020
Instrument	2020134026
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 GRIFF WOOD CT, 1903, SAINT CLOUD, FL 34772-8863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3947 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0058071257
Date	Oct 6, 2020
Instrument	5807/1257

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3947 Pemberly Pines Cir was $2,233 with a homeowner's exemption, up 3.7% from the year before.

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	$2,233.00 (+3.72%) Homeowner's exemption	$167,649	$232,200 Land $35,000 Building $197,200
2024	$2,153.00 (+3.06%)
2023	$2,089.00 (+4.03%) Homeowner's exemption	$158,180 (+3%)	$233,000 (+20.79%) Land $14,900 Building $218,100
2022	$2,008.00 Homeowner's exemption	$153,573	$192,900 Land $14,900 Building $178,000

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

Flood

FEMA maps place 3947 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 3947 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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