3992 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3992 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,588 sqft · built 2005
Lot Size	0.023 acres (1,045 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (Jan 2021)
Tax Bill	$3,001 (2025)
Deeds & Mortgages	May 2023 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`129525`

Property Details

APN / Parcel Number

Primary APN	`129525`
Alternative APN	`042630073100011060`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Heated Area
Gross Area	2,029 sqft
1st Floor Area	788 sqft
Upper Floors Area	800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,045 sqft (0.023 acres)
Garage Type	Finished
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	129525
Street Address	3992 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1545
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 106
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	1
Legal Lot Number	106
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43203

Owner

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

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	402 BUTTONWOOD DR, KISSIMMEE, FL 34743-9045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jan 6, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2021 · Amount on Record
Deed Sale	Jan 6, 2021 · Amount on Record
Prior Sale	Feb 10, 2006 · Amount on Record
Deed Document Number	2021002123
Deed Book / Page	5866 / 71
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3992 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3992 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

Mortgage

Document Number	0064010088
Date	May 4, 2023
Book Page	6401/88
Instrument	2023056056

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2021
Property Address	3992 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0058660071
Book / Page	5866 / 71
Map Reference	MB 17 PG 77-79
Instrument Date	Jan 5, 2021
Instrument	2021002123
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1512 JENNI LEE CT, 1512, KISSIMMEE, FL 34744-6446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3992 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

Mortgage

Document Number	0000586672
Date	Jan 6, 2021
Instrument	5866/72

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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	$3,001.00 (+6.46%) Homeowner's exemption	$210,581 (+5.99%)	$232,200 (-0.34%) Land $35,000 Building $197,200
2023	$2,819.00 (+3.75%) Homeowner's exemption	$198,687 (+3%)	$233,000 (+20.79%) Land $14,900 Building $218,100
2022	$2,717.00 Homeowner's exemption	$192,900 Land $14,900 Building $178,000	$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

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 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.

Nearby Properties on Pemberly Pines Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures