3936 PEMBERLY PINES CIRCLE, ST CLOUD, FL, 34769
Active158 days on marketListed Feb 16, 2026MLS #O6382983
About this home
3936 PEMBERLY PINES CIRCLE
Price Improvement! Previously tenant occupied, now vacant and Move-In Ready! Welcome to 3936 Pemberly Pines, a charming townhome ideally situated in the heart of St. Cloud. The open-concept kitchen creates a light and welcoming feel, flowing effortlessly into the generous living area, perfect for both everyday living and entertaining. This well-designed layout features two bedrooms and two full bathrooms within 1,268 square feet of comfortable living space, offering practicality and low-maintenance living. The home is fully equipped with all appliances, and the washer and dryer are included, New A/C for added convenience. Step outside to your private balcony, an ideal spot to unwind and enjoy the Florida breeze. Residents enjoy access to a community pool, and the HOA provides excellent value with coverage that includes basic cable and internet, lawn service, exterior maintenance, and pest control, making ownership easy and convenient. The location offers close proximity to nearby shopping, medical facilities, dining, and fitness centers. East Lake Toho and St. Cloud’s scenic lakefront are just minutes away, providing beautiful outdoor recreation. With easy access to major roadways and Central Florida attractions, this home offers a wonderful combination of comfort, convenience, and location. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,268
Sqft
0.04 ac
Lot size
1
Garage
2005
Year built
Two
Levels
$181
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.
$2,150 /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
$2,150/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
−9.8%
$/sqft vs St Cloud actives
$181 vs $221
Days on market
158 vs 33 typical
Where $181/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
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
194 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 13% 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 3936 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 · Dec ’25$239,000
3918 PEMBERLY PINES CIRCLE · same community
2 bd · 2 ba · 1,268 sqft · $188/sqft · 113 DOM
Sold · Jun ’26$234,999
3924 PEMBERLY PINES CIRCLE · same community
2 bd · 2 ba · 1,268 sqft · $185/sqft · 60 DOM
Sold · Nov ’25$220,000
4100 ORANGE TREE COURT · same community
2 bd · 2 ba · 1,268 sqft · $174/sqft · 13 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3936 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 3936 PEMBERLY PINES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3936 PEMBERLY PINES CIRCLE FAQs
What would the monthly payment be for 3936 PEMBERLY PINES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,150/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 3936 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 3936 PEMBERLY PINES CIRCLE?+
The most recent tax bill on record (2025) was $2,712. 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 3936 PEMBERLY PINES CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $229,990, this home is listed about 46% 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 3936 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
01Under the ST CLOUD 34769 market on paper
$229,990 is 13% below the ST CLOUD 34769 median of $265,000, and at $181/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
158 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $239,000, now $229,990 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LIV REALTY II INC. · Linda Guzman. MLS #O6382983.
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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