3911 PEMBERLY PINES CIRCLE, ST CLOUD, FL, 34769
Active4 days on marketListed Jul 20, 2026MLS #R4911625
About this home
3911 PEMBERLY PINES CIRCLE
Very nice spacious 3 bedroom 2.5 bathroom townhouse with 2 car garage that has been very well maintained. Conveniently located near major shopping plazas, hospitals, schools, parks, restaurants, and major highways. Ceramic tile and wood floors throughout the entire townhouse. All bedrooms located upstairs. Large master bedroom with master bathroom that features his and her sinks, separate shower stall, private commode and walk-in closet! Secondary bathroom also boasts double vanities along with a tub/shower combo. Property also features an inside laundry room, a convenient half bathroom downstairs and rear patio. Community features manicured landscaping and a community pool. Townhome is located within minutes to the local hospital, restaurants, banks, churches, golf course, lakefront recreational areas & only a couple miles from Florida's Turnpike. Please note community has parking restrictions- NO STREET PARKING & NO COMMERCIAL VEHICLES. First month’s rent & security deposit (equivalent to first month’s rent) required. $75 application fee for each person 18 years of age or older. Dog allowed with non-refundable pet fee, however some breed and age restrictions apply. NO CATS ALLOWED. Our application process is online and can be completed at any time- "completed" applications are processed on a first come, first serve basis- applicants are welcome to apply prior to viewing unit. Call or email Central Florida Real Estate Management today for additional information as this property will not last long.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,588
Sqft
0.02 ac
Lot size
2
Garage
2006
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.
$174 /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
$174/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
4 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
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 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 3911 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 · Jul ’26$266,000
3927 PEMBERLY PINES CIRCLE · same community
3 bd · 2.5 ba · 1,588 sqft · $168/sqft · 229 DOM
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
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 3911 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 3911 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
3911 PEMBERLY PINES CIRCLE FAQs
What would the monthly payment be for 3911 PEMBERLY PINES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/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 3911 PEMBERLY PINES CIRCLE?+
The listing reports pets: Breed Restrictions, Dogs OK, 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 $1,945, 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 3911 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTRAL FLORIDA REAL ESTATE MANAGEMENT LLC · Christie Artura. MLS #R4911625.
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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