12933 SW Pembroke Cir S, photo 1
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Overview

4 bd2 ba2,170 sqft3 car garageSingle Family
TypeSingle Family
HOA$150/yr
Built2005
Lot11,500 sqft
Living area2,170 sqft
Price / sqft$191
Garage3 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorSplit BedroomStone CountersTray Ceiling(s)

12933 SW Pembroke Cir S is a 2005-built home in Pembroke Sub, Lake Suzy. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,170 square feet of living space. Listed at $415,000 (about $191/sqft), 100 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $150 annually.

From the listing

PARTIALLY FURNISHED HOME! Welcome to this beautifully maintained 4-bedroom, 2-bathroom home offering 2,170 square feet of comfortable living space in the desirable deed-restricted community of Lake Pembroke. From the moment you arrive, the inviting curb appeal stands out with a spacious 3-car garage, extended driveway, covered front porch, and tropical landscaping featuring mature palms and colorful flowering plants. Situated on a generously sized homesite, this residence enjoys a peaceful setting surrounded by scenic lakes, ponds, and natural habitat. Step inside to discover soaring volume ceilings and a spacious open floor plan designed for comfortable living and entertaining. The home features a combined living and dining area, along with a separate family room offering additional space for gatherings. The well-appointed kitchen is the heart of the home, showcasing abundant oak cabinetry, granite countertops, a stylish tile backsplash, large pantry, and oversized breakfast bar overlooking the main living area. Stainless steel appliances include a cooktop, double wall ovens, built-in microwave, and French-door refrigerator. Recessed lighting and the open design create a bright and welcoming atmosphere. The spacious primary suite offers a private retreat with an elegant tray ceiling, large walk-in closet with custom shelving, and ensuite bathroom featuring dual vanities, a garden tub, and separate walk-in shower. Three additional bedrooms provide plenty of space for family, guests, or a home office, each offering generous closets. The guest bathroom includes dual sinks and a tub/shower combination for added convenience. The functional laundry room includes a washer and dryer, additional storage space, and a dedicated area for household tasks, helping keep daily routines organized and efficient. Sliding glass doors open to a screened lanai where you can relax and enjoy peaceful pond views and beautiful Florida sunsets. The thoughtfully maintained yard features mature landscaping, decorative concrete curbing, and an irrigation system for easy upkeep. This home offers exceptional value with numerous upgrades, including a new A/C system installed in 2025, a shingle roof approximately five years old, public water and sewer, whole-house water filtration system, hurricane rated impact-resistant windows, and a hurricane-rated insulated garage door for added peace of mind. Located outside of a flood zone, this property provides added protection and helps keep ownership costs manageable. There are storm shutters in the garage as an added safety measure. Lake Pembroke offers a serene residential setting with scenic surroundings while remaining conveniently located near everyday amenities. Enjoy easy access to I-75, shopping, dining, golf courses, medical facilities, banking, Charlotte Harbor, historic Punta Gorda, Gulf beaches, and the Arcadia antique district. Multiple airports, including Punta Gorda Airport and Southwest Florida International Airport, are within an easy drive, making this an ideal home for year-round living or a seasonal Florida retreat. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**

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The essentials

Built
2005
Price / sqft
$191
On market
100 days
Annual tax
$2,066
HOA
$150/yr
Flood zone
X · Low risk
Lot
11,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Waterfront
Pond
3 car garage
Driveway
0.26 acres
Lot size
2,170 sqft
Living area

Payment

Est. monthly payment
$2,557/mo
Down payment (20%)
$83,000
Property taxes
$172/mo
HOA
$150/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
11,500 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Ground Level, Off Street, Oversized
Waterfront
Pond
Days on Market
100
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Hurricane Shutters
Lighting
Rain Gutters
Deed Restrictions
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,066
Parcel #
31-39-23-0283-0020-0170

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Pembroke Sub
County
Desoto
MLS Area
34269 - Arcadia
Lot Size
11,500 sqft
LandscapedNear Golf CoursePaved
HOA
$150/yr
PALMER PROPERTY MGMT/JOHN GARVEY

Price history

Date
Event
Price
7/27/2026
Price change
Source: Stellar MLS #C7528203
$415,000-2.4%
$191/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #C7528203
$425,000
$196/sqft

Neighborhood

12933 SW Pembroke Cir S
Lake Suzy, FL, 34269 · 34269 - Arcadia

Market insights

Offer Insights

Choose an offer strength

List price: $415,000
$402,500 – $415,000
96.9% – 100% of listTops out right at the list price
80% of listList price
13 of the last 25 home closings in 34269 landed at this number or higher (52%). The median one sat 80 days before it went under contract, and this one is on day 100 after a $10,000 cut.

Sample: 25 closed home sales in 34269 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,557/mo
Principal & interest$2,164
Property taxes$172
Insurance$208
HOA$13
Down payment20% · $83,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$415,000

$191 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,170 sq ft

Time on market

100 days

Year built

2005

Monthly payment

About $2,557/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,066 annual tax bill, insurance, and the $150/yr HOA fee.

HOA fee

$150/yr

Managed by PALMER PROPERTY MGMT/JOHN GARVEY.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byMARINA PARK REALTY LLCListing agent: Tania Suris HoodListing data from Stellar MLS, MLS# C7528203.

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