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4015 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4015 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,268 sqft · built 2005
Lot Size0.038 acres (1,655 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Apr 2024)
Tax Bill$2,758 (2025)
Deeds & MortgagesApr 2024 Second Mortgage
Apr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-30-0731-0001-0270

Property Details

APN / Parcel Number

Primary APN04-26-30-0731-0001-0270
Alternative APNs
  • 263004073100010270
  • 129446

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,268 sqft Living Area
Gross Area1,541 sqft
1st Floor Area65 sqft
Upper Floors Area1,203 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleL-Shape
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,655 sqft (0.038 acres)
Garage TypeAttached
Garage Area256 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area17 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4015 PEMBERLY PINES CIR
CitySAINT CLOUD
StateFL
Zip34769-1544
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionPEMBERLY PINES PB 17 PGS 77-79 LOT 27
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPEMBERLY PINES
Legal Tract731
Legal Block270
Legal Lot Number27
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1012
Census Tract43203

Owner

4015 Pemberly Pines Cir is owned by two individuals who bought it in April 2024.

Source: Osceola County records, as of August 24, 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 Record2 Individual Names on File
Mailing Address4015 PEMHERLY PINES CIRCLE ST, SAINT CLOUD, FL 34769
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 18, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NEW AMERICAN FUNDING
Apr 18, 2024Warranty Deed, Transfer · FHA Mortgage
NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 18, 2024 · Amount on File
Deed SaleApr 18, 2024 · Amount on File
Prior SaleMar 11, 2011 · Amount on File
Deed Document Number202450592
Deed Book / Page6585 / 1798
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4015 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Transaction TypeMortgage
Record UpdatedMay 14, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address4015 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number0065851816
DateApr 18, 2024
Book Page6585/1816
Instrument2024050594
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Address18583 DALLAS PKWY # 160, DALLAS, TX 75287
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2054

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 18, 2024
Property Address4015 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number0065851798
Book / Page6585 / 1798
Map ReferenceMB 17 PGS 77
Instrument DateApr 15, 2024
Instrument2024050592
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyNONA TTL INC DBA RED DOOR TT

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address61 REDSTONE CT, FELTON, DE 19943-7410

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4015 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number0065851800
DateApr 18, 2024
Instrument6585/1800
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 4015 Pemberly Pines Cir was $2,758.

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$2,758.00$197,000 Land $35,000 Building $162,000$197,000 Land $35,000 Building $162,000
2023$2,570.00 (+14.02%)$194,100 (+20.48%) Land $14,900 Building $179,200$194,100 (+20.48%) Land $14,900 Building $179,200
2022$2,254.00$161,100 Land $14,900 Building $146,200$161,100 Land $14,900 Building $146,200

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

Flood

FEMA maps place 4015 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 4015 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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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