3998 PEMBERLY PINES CIRCLE, ST CLOUD, FL, 34769
Active2 days on marketListed Oct 8, 2026MLS #S5159153
About this home
3998 PEMBERLY PINES CIRCLE
LOCATION, SPACE, AND STYLE! Welcome to this beautifully presented END-UNIT townhome in the Pemberly Pines community of St. Cloud, offering the perfect combination of comfortable living and convenient access to major roadways. Ideally situated approximately 2 minutes from US-192 and 5 minutes from Florida's Turnpike, this home makes everyday commuting, shopping, dining, and exploring Central Florida easier. Featuring 3 bedrooms, 2.5 bathrooms, 1,768 square feet of living space, and an attached 2-car garage, this spacious two-story residence offers an inviting layout with attractive finishes throughout. Step inside and discover a bright living area featuring stylish wood-look flooring, neutral colors, decorative crown molding, and an eye-catching accent wall. The beautifully appointed kitchen is a standout feature, showcasing elegant two-tone cabinetry, stainless steel appliances, decorative backsplash, generous counter space, and a center island that provides additional seating and functionality. Upstairs, the spacious primary suite offers a comfortable retreat, complemented by a private bathroom featuring dual sinks and a large glass-enclosed shower. Two additional bedrooms provide flexibility for guests, family members, or a home office. As an end unit, this home benefits from additional exterior exposure and windows that enhance its inviting atmosphere. With its appealing interior, two-car garage, and convenient proximity to US-192 and Florida's Turnpike, this property offers an excellent opportunity to enjoy comfortable living in St. Cloud. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,768
Sqft
0.03 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$158
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,605 /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
$2,605/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+7.1%
$/sqft vs St Cloud actives
$158 vs $212
Days on market
2 vs 65 typical
Where $158/sqft sits among the 399 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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
228 of 399
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 12% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3998 PEMBERLY PINES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$255,000
3933 PEMBERLY PINES CIRCLE · same community
3 bd · 2.5 ba · 1,768 sqft · $144/sqft · 60 DOM
Sold · Dec ’25$275,000
3917 PEMBERLY PINES CIRCLE · same community
3 bd · 2.5 ba · 1,768 sqft · $156/sqft · 179 DOM
Sold · Jul ’26$266,000
3927 PEMBERLY PINES CIRCLE · same community
3 bd · 2.5 ba · 1,588 sqft · $168/sqft · 229 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3998 PEMBERLY PINES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3998 PEMBERLY PINES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3998 PEMBERLY PINES CIRCLE FAQs
What would the monthly payment be for 3998 PEMBERLY PINES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,605/mo — principal and interest, the actual property-tax bill, the $308/mo association fee 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.
How much are the HOA fees at 3998 PEMBERLY PINES CIRCLE?+
The association fee works out to $308 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3998 PEMBERLY PINES CIRCLE?+
The most recent tax bill on record (2025) was $4,386. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3998 PEMBERLY PINES CIRCLE?+
The listing reports pets: Yes. 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 $279,900, this home is listed about 35% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3998 PEMBERLY PINES CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$279,900 runs 12% above the ST CLOUD 34769 median.
02Garden & Park/Greenbelt views
The garden and park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a St Cloud market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Juan Martinez Cortes. MLS #S5159153.
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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