4043 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4043 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,588 sqft · built 2006
Lot Size	0.024 acres (1,045 sqft)
Owner	2 Company Names on Record
Last Sale	$162,900 (Apr 2019)
Tax Bill	$2,112 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0140`
Alternative APNs	`263004073100010140` `129433`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	2,029 sqft
1st Floor Area	788 sqft
Upper Floors Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,045 sqft (0.024 acres)
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4043 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 14
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	140
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

Source: Osceola County records, as of May 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 8, 2019	Correction Deed PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC
Apr 8, 2019	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2019 · Amount on Record
Deed Sale	Apr 8, 2019 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	201944215
Deed Book / Page	5504 / 1577
Prior Transfer Date	Mar 26, 2019
Prior Transfer Doc	0055041575
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2026
Property Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0000062531
Book / Page	6970 / 882
Instrument Date	May 5, 2026
Instrument	202662531
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2019
Property Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0055041575
Book / Page	005504 / 001575
Instrument Date	Mar 26, 2019
Instrument	44214
Record Updated	Apr 23, 2019
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4043 PEMBERLY PINES CIR ST CLOUD FL 347691544, ST CLOUD, FL 34769-1544

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2019
Property Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0055041577
Book / Page	5504 / 1577
Map Reference	MB 17 PG 77-79
Instrument Date	Mar 26, 2019
Instrument	2019044215
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PUBLIC TITLE SERVIVES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 RUE CHATEU DE TONGRENELLE 5140 SOMBREFFE BELGIU, 11, XX 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544

Mortgage

Document Number	2019044216
Date	Apr 8, 2019
Instrument	2019044216

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2017
Property Address	4043 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1544
Document Number	0050801617
Book / Page	005080 / 001617
Instrument Date	Dec 19, 2016
Instrument	1692
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	11 RUE CHATEAU DE TONGRENELLE

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,112.00 (+3.78%) Homeowner's exemption	$160,874 (+5.99%)	$234,700 (-0.38%) Land $35,000 Building $199,700
2024	$2,035.00 (+3.09%)
2023	$1,974.00 (+4.11%) Homeowner's exemption	$151,788 (+3%)	$235,600 (+20.82%) Land $14,900 Building $220,700
2022	$1,896.00 Homeowner's exemption	$147,367	$195,000 Land $14,900 Building $180,100

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

Flood

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 Record 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

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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