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3998 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3998 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,768 sqft · built 2005
Lot Size0.029 acres (1,263 sqft)
OwnerIndividual Name on File
Last Sale$303,000 (Jul 2024)
Tax Bill$4,385 (2025)
Deeds & MortgagesSep 2023 Foreclosure
Mar 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN04-26-30-0731-0001-1100

Property Details

APN / Parcel Number

Primary APN04-26-30-0731-0001-1100
Alternative APNs
  • 263004073100011100
  • 129529

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,768 sqft Living Area
Gross Area2,181 sqft
1st Floor Area880 sqft
Upper Floors Area888 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block/Stucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,263 sqft (0.029 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area14 sqft
Patio Area33 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3998 PEMBERLY PINES CIR
CitySAINT CLOUD
StateFL
Zip34769-1545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionPEMBERLY PINES PB 17 PGS 77-79 LOT 110
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPEMBERLY PINES
Legal Tract731
Legal Block1100
Legal Lot Number110
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1015
Census Tract43203

Owner

3998 Pemberly Pines Cir is owned by an individual who bought it in July 2024.

Source: Osceola County records, as of October 12, 2026

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 RecordIndividual Name on File
Mailing Address986 47TH AVE NE, NAPLES, FL 34120-3459
Owner TypeIndividual
VestingMarried Woman, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Sep 5, 2023Trustee's Deed, Foreclosure
Foreclosure Auction
Mar 5, 2020Warranty Deed, Transfer
WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC
Jun 8, 2017Warranty Deed, Transfer · Conventional Mortgage
IMPAC MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 9, 2024 · Amount on File
Deed SaleJul 9, 2024 · Amount on File
Prior SaleMar 5, 2020 · Amount on File
Deed Document Number202489083
Deed Book / Page6629 / 2827
Prior Transfer DateJun 11, 2009
Prior Transfer Doc0038530692
Record UpdatedOct 29, 2026

September 2023: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateSep 5, 2023
Property Address3998 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number0064681652
Book / Page6468 / 1652
Map ReferenceMB 17 PG 77-79
Instrument DateAug 22, 2023
Instrument2023116109
Transaction TypeForeclosure
Record UpdatedSep 18, 2023

Transaction

AmountAmount on Record
Tax$1,904.70
Amount AccuracyFull Amount Stated
Additional
  • Foreclosure Auction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 5, 2020
Property Address3998 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number0056862041
Book / Page005686 / 002041
Instrument DateMar 3, 2020
Instrument32623
Transaction TypeTransfer
Record UpdatedMay 22, 2020
Title CompanyWATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

AmountAmount on Record
Tax$1,281.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3957 PEMBERLY PINES CIR ST CLOUD FL 347691543, ST CLOUD, FL 34769-1543

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 8, 2017
Property Address3998 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number0051610146
Book / Page5161 / 0146
Map ReferenceMB17 PG77-79
Instrument DateMay 30, 2017
Instrument2017083816
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$979.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1046 PERSON ST, 1046, KISSIMMEE, FL 34741-4145

Transferred To (Grantee/Buyer)

NameVerified Name
Address3998 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

Mortgage

Document Number0051610147
DateJun 8, 2017
Instrument5161/0147
Lender
NameIMPAC MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3998 Pemberly Pines Cir was $4,385.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,385.00$244,800 Land $35,000 Building $209,800$244,800 Land $35,000 Building $209,800
2023$3,747.00 (+13.65%)$246,800 (+20.92%) Land $14,900 Building $231,900$246,800 (+20.92%) Land $14,900 Building $231,900
2022$3,297.00$204,100 Land $14,900 Building $189,200$204,100 Land $14,900 Building $189,200

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

Flood

FEMA maps place 3998 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 3998 Pemberly Pines Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T, Verizon.

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