3957 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3957 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	2 Individual Names on File
Last Sale	$303,000 (Mar 2024)
Tax Bill	$3,614 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0550`
Alternative APNs	`263004073100010550` `129474`

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	Finished/Open Porch
Porch Area	14 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3957 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 55
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	550
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

3957 Pemberly Pines Cir is owned by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	11336 TAYLOR LANDING WAY, CHESTERFIELD, VA 23838-5608
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
Mar 12, 2024	Deed of Trust, Mortgage · FHA Mortgage TRUIST BANK
Oct 23, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 23, 2023	Correction Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2024 · Amount on File
Deed Sale	Mar 12, 2024 · Amount on File
Prior Sale	Oct 23, 2023 · Amount on File
Deed Document Number	202432405
Deed Book / Page	6564 / 816
Prior Transfer Date	Oct 19, 2023
Prior Transfer Doc	0064931280
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 SEMMES AVE, RICHMOND, VA 23224-2245

Mortgage

Document Number	0065640818
Date	Mar 12, 2024
Book Page	6564/818
Instrument	2024032406

Lender

Name	TRUIST BANK
Type	Bank
Address	1001 SEMMES AVE, RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2023
Property Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0064931282
Book / Page	6493 / 1282
Map Reference	MB 17 PG 77-79
Instrument Date	Oct 20, 2023
Instrument	2023138868
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	$1,820.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6313

Transferred To (Grantee/Buyer)

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

October 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2023
Property Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0064931280
Book / Page	6493 / 1280
Map Reference	MB 17 PG 77-79
Instrument Date	Oct 20, 2023
Instrument	2023138867
Record Updated	Nov 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3957 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0057230830
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3957 PEMBERLY PINES CIR ST CLOUD FL 347691543, ST CLOUD, FL 34769-1543

Mortgage

Document Number	0057230830
Date	May 15, 2020
Book Page	005723/000830
Instrument	64828

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	WINTER PARK, FL 32790

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3957 Pemberly Pines Cir was $3,614, down 13.6% 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	$3,614.00 (-13.62%)	$244,800 Land $35,000 Building $209,800	$244,800 Land $35,000 Building $209,800
2024	$4,184.00 (+663.5%)
2023	$548.00 (+1.86%) Homeowner's exemption	$67,201 (+3%)	$246,800 (+20.92%) Land $14,900 Building $231,900
2022	$538.00 Homeowner's exemption	$65,244	$204,100 Land $14,900 Building $189,200

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 3957 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 3957 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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