4024 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4024 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,768 sqft · built 2005
Lot Size	0.028 acres (1,263 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (May 2019)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`129535`

Property Details

APN / Parcel Number

Primary APN	`129535`
Alternative APN	`042630073100011160`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,768 sqft Heated Area
Gross Area	2,181 sqft
1st Floor Area	880 sqft
Upper Floors Area	888 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	1,263 sqft (0.028 acres)
Garage Type	Finished
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	14 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	129535
Street Address	4024 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1546
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 116
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	1
Legal Lot Number	116
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43203

Owner

4024 Pemberly Pines Cir, a townhouse, is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4024 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1546
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 21, 2019	Grant Deed, Transfer · Conventional with PMI MORTGAGE FIRM
Feb 27, 2019	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2019 · Amount on File
Deed Sale	May 21, 2019 · Amount on File
Prior Sale	Feb 27, 2019 · Amount on File
Deed Document Number	2019065055
Deed Book / Page	5527 / 1130
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4024 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1546
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4024 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1546

Mortgage

Document Number	0061150387
Date	Dec 27, 2021
Book Page	6115/387
Instrument	2021198578

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2019
Property Address	4024 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1546
Document Number	0055271130
Book / Page	005527 / 001130
Instrument Date	May 17, 2019
Instrument	65055
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4024 PEMBERLY PINES CIR ST CLOUD FL 347691546, ST CLOUD, FL 34769-1546

Mortgage

Document Number	55271132
Date	May 21, 2019
Book Page	005527/001132
Instrument	65056

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 20, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2019
Property Address	4024 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1546
Document Number	0054830899
Book / Page	005483 / 000899
Instrument Date	Feb 26, 2019
Instrument	25146
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4024 Pemberly Pines Cir was $2,242 with a homeowner's exemption.

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	$2,242.00 Homeowner's exemption	$168,171	$244,800 Land $35,000 Building $209,800
2023	$2,098.00 (+4.02%) Homeowner's exemption	$158,672 (+3%)	$246,800 (+20.92%) Land $14,900 Building $231,900
2022	$2,017.00 Homeowner's exemption	$154,051	$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 4024 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 4024 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 Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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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