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$210,000

3901 PEMBERLY PINES CIRCLE, ST CLOUD, FL 34769

3D Tour
Active1 days on market

Beds

2

Baths

2

Sq Ft

1,268 sq ft

Year Built

2006

Lot Size

0.04 acres

Garage

0

About This Property

Located in the Pemberly Pines community of Saint Cloud, this 2-bedroom, 2-bathroom corner-unit residence offers a spacious open layout, a private balcony, and convenient access to the community swimming pool. Situated on the upper level, the home provides comfortable living with the added appeal of a corner location and an inviting outdoor space overlooking the neighborhood. Inside, the expansive living and dining area offers plenty of room for entertaining, relaxing, or creating a dedicated home office space. Large windows bring natural light into the main living area, while sliding glass doors lead to the private balcony, providing a peaceful spot to enjoy fresh air and views of the surrounding community. The open-concept kitchen features wood cabinetry, stainless steel appliances, generous counter space, and a breakfast bar overlooking the living area, making it easy to stay connected while preparing meals. The primary bedroom offers a comfortable retreat with a walk-in closet and an en-suite bathroom featuring a dual-sink vanity and a spacious walk-in shower. The second bedroom is generously sized and located near the additional full bathroom, providing flexibility for guests, family, or a home office. A dedicated laundry room and additional storage closets add everyday convenience. One of the property's standout features is its private balcony, where you can enjoy an elevated view of the neighborhood and nearby community amenities. Residents also have access to a community swimming pool surrounded by a spacious deck and lounge seating, offering a relaxing place to enjoy Florida's sunny weather. Conveniently located in Saint Cloud with access to shopping, dining, and everyday necessities, this corner-unit residence combines an open floor plan, comfortable living spaces, private outdoor seating, and community amenities in one inviting setting. Find out how the seller can reduce your monthly mortgage payment on an accepted offer!

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #S5160372
StatusActive
Year Built2006
Stories2
Total Rooms5
ConstructionBlock, Concrete, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionPEMBERLY PINES
CountyOsceola
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo
FlooringCarpet, Tile
AppliancesDryer, Microwave, Range, Refrigerator, Washer
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Sidewalk
Lot Size0.04 acres (1,655 sq ft)
Road SurfaceAsphalt, Paved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes

HOA & Community

HOAYes
HOA Fee$756 / Quarterly
Senior CommunityNo

Financial Details

List Price$210,000
Annual Taxes$953 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningSR3
Parcel #042630073100010840

Directions

From US-192 (13th St) in St. Cloud, head west toward Kissimmee. Turn right onto Commerce Center Dr, then right onto Pemberly Pines Cir. Continue to 3901 Pemberly Pines Cir.

Location

3901 PEMBERLY PINES CIRCLE, ST CLOUD, FL 34769

Listing Information

OfficeEXP REALTY LLC
ListedOctober 30, 2026

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Home Price

$210,000

20% ($42,000)
6.75%

Loan Term

Principal & Interest$1,090
Property Tax (est.)$193
Insurance (est.)$150
Total Monthly$1,432
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How to Buy This Home

Multiple financing options available for this $210,000 home in ST CLOUD.

🏛️

FHA Loan

$7,350 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$10,500 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 31, 2026.

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