3913 PEMBERLY, ST CLOUD, FL, 34769
Active35 days on marketListed Jun 15, 2026MLS #S5151987
About this home
3913 PEMBERLY
Broker Synopsis: Immaculate and well-maintained 2-bedroom, 2-bath townhome with a 1-car garage located in desirable St. Cloud. This inviting home offers a functional layout with comfortable living spaces and is conveniently situated near shopping, dining, and major roadways for easy commuting. A great rental opportunity for tenants seeking convenience, comfort, and low-maintenance living. If you want a slightly more polished MLS-style version, use this: MLS-Style Broker Remarks: Immaculate, well-maintained 2BR/2BA townhome with 1-car garage in St. Cloud. Features a comfortable and functional floor plan in a convenient location close to shopping, dining, and major roadways. Excellent rental opportunity with easy access to everyday conveniences. A stronger marketing version: Now available for rent - beautifully maintained 2-bedroom, 2-bath townhome with 1-car garage in the heart of St. Cloud. Enjoy a clean, functional layout and a prime location just minutes from shopping, restaurants, and major roads. Ideal for tenants looking for comfort, convenience, and easy living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,268
Sqft
0 ac
Lot size
1
Garage
2005
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Cloud actives
$1 vs $221
Days on market
35 vs 33 typical
Where $1/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
188 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3913 PEMBERLY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$355,000
2404 SHELBY CIRCLE
3 bd · 2 ba · 1,272 sqft · $279/sqft · 40 DOM
Sold · Mar ’26$320,000
2108 JESSA DRIVE
3 bd · 2 ba · 1,284 sqft · $249/sqft · 25 DOM
Sold · Jul ’25$362,000
2181 JESSA DRIVE
3 bd · 2 ba · 1,294 sqft · $280/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3913 PEMBERLY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3913 PEMBERLY — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3913 PEMBERLY FAQs
What would the monthly payment be for 3913 PEMBERLY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 3913 PEMBERLY?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $1,750, this home is listed about 100% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3913 PEMBERLY?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Nelson Santiago. MLS #S5151987.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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