3949 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3949 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,268 sqft · built 2006
Lot Size	0.038 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Oct 2022)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0600`
Alternative APNs	`263004073100010600` `129479`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,268 sqft Living Area
Gross Area	1,541 sqft
1st Floor Area	65 sqft
Upper Floors Area	1,203 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	L-Shape
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.038 acres)
Garage Type	Attached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3949 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 60
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	600
Legal Lot Number	60
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

3949 Pemberly Pines Cir is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 4, 2022	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Jun 1, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Mar 27, 2020	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE MORTGAGE BANKERS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Jun 1, 2022 · Amount on File
Deed Document Number	2022147817
Deed Book / Page	6294 / 2508
Prior Transfer Date	Jul 31, 2012
Prior Transfer Doc	0043090369
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2022
Property Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0062942508
Book / Page	6294 / 2508
Map Reference	MB 17 PG 77-79
Instrument Date	Sep 23, 2022
Instrument	2022147817
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0062942510
Date	Oct 4, 2022
Instrument	6294/2510

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2022
Property Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0062241175
Book / Page	6224 / 1175
Map Reference	MB 17 PG 77-79
Instrument Date	May 31, 2022
Instrument	2022085708
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,547.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2020
Property Address	3949 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0057000811
Book / Page	5700 / 811
Instrument Date	Mar 26, 2020
Instrument	2020044088
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057000812
Date	Mar 27, 2020
Book Page	5700/812
Instrument	2020044089

Lender

Name	HOMEBRIDGE MORTGAGE BANKERS CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3949 Pemberly Pines Cir was $2,356 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	$2,356.00 (+3.7%) Homeowner's exemption	$174,551	$199,100 Land $35,000 Building $164,100
2024	$2,272.00 (+2.95%)
2023	$2,207.00 (+45.29%) Homeowner's exemption	$164,692 (+30.24%)	$196,300 (+20.5%) Land $14,900 Building $181,400
2022	$1,519.00 Homeowner's exemption	$126,455	$162,900 Land $14,900 Building $148,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3949 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 3949 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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