Osceola County property record for 4023 Pemberly Pines Cir, Saint Cloud, FL 34769
| 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 File |
| Last Sale | $244,000 (Jan 2022) |
| Tax Bill | $3,326 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 129442 |
| Primary APN | 129442 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 129442 |
|---|---|
| Street Address | 4023 PEMBERLY PINES CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1544 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | PEMBERLY PINES PB 17 PGS 77-79 LOT 23 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PEMBERLY PINES |
| Legal Tract | 731 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43203 |
4023 Pemberly Pines Cir, a townhouse, is owned and occupied by an individual who bought it in January 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 4023 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2022 · Amount on File |
| Deed Sale | Jan 28, 2022 · Amount on File |
| Prior Sale | Nov 7, 2011 · Amount on File |
| Deed Document Number | 2022015179 |
| Deed Book / Page | 6138 / 1770 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 28, 2022 |
| Property Address | 4023 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544 |
| Document Number | 0061381770 |
| Book / Page | 6138 / 1770 |
| Map Reference | MB 17 PG 77-79 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 2022015179 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Title Company | NEAR NORTH TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,708.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 JIN SG BERANANG, 48, BUKIT RIMAU XX |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4023 PEMBERLY PINES CIR # 4023, 4023, SAINT CLOUD, FL 34769-1544 |
| Document Number | 0061381772 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 6138/1772 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 4023 Pemberly Pines Cir was $3,326 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,326.00 Homeowner's exemption | $228,746 | $232,200 Land $35,000 Building $197,200 |
| 2023 | $4,200.00 (+58.79%) | $233,000 (+20.79%) Land $14,900 Building $218,100 | $233,000 (+20.79%) Land $14,900 Building $218,100 |
| 2022 | $2,645.00 | $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.
FEMA maps place 4023 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 risk around 4023 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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