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Overview

3 bd3 ba1,768 sqft2 car garageTownhouse
TypeTownhouse
HOA$925/qtr
Built2005
Lot1,263 sqft
Living area1,768 sqft
Price / sqft$158
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)PlaygroundClubhouseDeed RestrictionsPoolDishwasherDryerMicrowave

3998 Pemberly Pines Cir is a 2005-built home in Pemberly Pines, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,768 square feet of living space. Listed at $279,900 (about $158/sqft), 10 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $925 quarterly.

From the listing

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!

The essentials

Built
2005
Price / sqft
$158
On market
10 days
Annual tax
$4,386
HOA
$925/qtr
Flood zone
X · Low risk
Lot
1,263 sqft
Type
Townhouse

At a glance

Townhouse
Built 2005
Community pool
Shared amenity
2 car garage
Driveway
1,263 sqft lot
Lot size
1,768 sqft
Living area

Payment

Est. monthly payment
$2,273/mo
Down payment (20%)
$55,980
Property taxes
$365/mo
HOA
$925/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2005
Lot
1,263 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway, Garage Door Opener
Days on Market
10
Ceiling Fans(s)
Playground
Clubhouse
Deed Restrictions
Pool
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Lakeview Elem (K 5)
Middle
Neptune Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$4,386
Parcel #
04-26-30-0731-0001-1100

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
Pemberly Pines
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
1,263 sqft
HOA
$925/qtr
Avid Property Management, Inc.

Price history

Date
Event
Price
10/5/2026
Listed for sale
Source: Stellar MLS #S5159153
$279,900
$158/sqft

Neighborhood

3998 Pemberly Pines Cir
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $279,900
$277,500 – $279,900
99.5% – 100% of listTops out right at the list price
80% of listList price
29 of the last 41 townhouse or villa closings in 34769 landed at this number or higher (71%). The median one sat 60 days before it went under contract, and this one is on day 10.

Sample: 41 closed townhouse or villa sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,273/mo
Principal & interest$1,460
Property taxes$365
Insurance$140
HOA$308
Down payment20% · $55,980
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

$279,900

$158 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,768 sq ft

Time on market

10 days

Year built

2005

Monthly payment

About $2,273/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,386 annual tax bill, insurance, and the $925/qtr HOA fee.

HOA fee

$925/qtr

Managed by Avid Property Management, Inc..

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byHOMESMARTListing agent: Juan Martinez CortesListing data from Stellar MLS, MLS# S5159153.

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