4039 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4039 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,268 sqft · built 2006
Lot Size	0.037 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Dec 2020)
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`129434`

Property Details

APN / Parcel Number

Primary APN	`129434`
Alternative APN	`042630073100010150`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,268 sqft Heated Area
Gross Area	1,541 sqft
Upper Floors Area	1,203 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.037 acres)
Garage Type	Finished
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	129434
Street Address	4039 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 15
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	1
Legal Lot Number	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

4039 Pemberly Pines Cir, a townhouse, is owned and occupied by an individual who bought it in December 2020.

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

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 Record	Individual Name on File
Mailing Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 28, 2022	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Dec 18, 2020	Warranty Deed, Transfer · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Aug 2, 2017	Warranty Deed, Transfer · Conventional Mortgage WATSON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Aug 2, 2017 · Amount on File
Deed Document Number	2020172476
Deed Book / Page	5854 / 1621
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number	0064242218
Date	Jun 14, 2023
Book Page	6424/2218
Instrument	2023077031

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Feb 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number	0061382083
Date	Jan 28, 2022
Book Page	6138/2083
Instrument	2022015247

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2020
Property Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0058541621
Book / Page	5854 / 1621
Map Reference	MB 17 PG 77-79
Instrument Date	Dec 16, 2020
Instrument	2020172476
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4101 QUAIL NEST CT, 4101, SAINT CLOUD, FL 34772-7794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number	0058541622
Date	Dec 18, 2020
Instrument	5854/1622

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2017
Property Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0051882047
Book / Page	5188 / 2047
Map Reference	MB17 PG77-79
Instrument Date	Aug 2, 2017
Instrument	2017112169
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3610 NORTHGATE DR APT 6, 3610, KISSIMMEE, FL 34746-6507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4039 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number	0051882048
Date	Aug 2, 2017
Instrument	5188/2048

Lender

Name	WATSON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4039 Pemberly Pines Cir was $1,776 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	$1,776.00 Homeowner's exemption	$142,124	$199,100 Land $35,000 Building $164,100
2023	$1,656.00 (+4.35%) Homeowner's exemption	$134,097 (+3%)	$196,300 (+20.5%) Land $14,900 Building $181,400
2022	$1,587.00 Homeowner's exemption	$130,192	$162,900 Land $14,900 Building $148,000

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

Flood

FEMA maps place 4039 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 4039 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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