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4025 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4025 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$179,900 (Jul 2020)
Tax Bill$2,404 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Nov 2018 Sale
Flood ZoneZone X (minimal risk)
APN04-26-30-0731-0001-0220

Property Details

APN / Parcel Number

Primary APN04-26-30-0731-0001-0220
Alternative APNs
  • 263004073100010220
  • 129441

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
Construction TypeFrame
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 Address4025 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 22
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPEMBERLY PINES
Legal Tract731
Legal Block220
Legal Lot Number22
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1012
Census Tract43203

Owner

4025 Pemberly Pines Cir is owned and occupied by an individual who bought it in July 2020.

Source: Osceola County records, as of November 26, 2025

Owner of RecordIndividual Name on File
Mailing Address4025 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 1, 2020Warranty Deed, Transfer · FHA Mortgage
RESIDENTIAL ACCPTNC
Nov 20, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 1, 2020 · Amount on File
Deed SaleJul 1, 2020 · Amount on File
Prior SaleOct 6, 2010 · Amount on File
Deed Document Number202084967
Deed Book / Page5747 / 1190
Prior Transfer DateNov 20, 2018
Prior Transfer Doc0054360319
Record UpdatedJun 8, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 1, 2020
Property Address4025 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number0057471190
Book / Page005747 / 001190
Instrument DateJun 29, 2020
Instrument84967
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,259.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4025 PEMBERLY PINES CIR ST CLOUD FL 347691544, ST CLOUD, FL 34769-1544

Mortgage

Document Number57471191
DateJul 1, 2020
Book Page005747/001191
Instrument84968
Lender
NameRESIDENTIAL ACCPTNC
AddressTAMPA, FL 33607
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 30, 2050

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2018
Property Address4025 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number0054360319
Book / Page005436 / 000319
Instrument DateNov 20, 2018
Instrument170937
Transaction TypeTransfer
Record UpdatedDec 7, 2018

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 700141 ST CLOUD FL 347700141, ST CLOUD, FL 34770-0141

Tax Assessment & Valuation

The 2025 property tax bill for 4025 Pemberly Pines Cir was $2,404 with a homeowner's exemption, up 3.7% from the year before.

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$2,404.00 (+3.71%) Homeowner's exemption$177,206$244,800 Land $35,000 Building $209,800
2024$2,318.00 (+2.93%)
2023$2,252.00 (+3.97%) Homeowner's exemption$167,197 (+3%)$246,800 (+20.92%) Land $14,900 Building $231,900
2022$2,166.00 Homeowner's exemption$162,328$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 4025 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 4025 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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