12933 SW PEMBROKE CIRCLE S, LAKE SUZY, FL, 34269
Active31 days on marketListed Jul 9, 2026MLS #C7528203
Come see it
Upcoming open house
Sat, Aug 15
12:00 PM – 2:00 PM
About this home
12933 SW PEMBROKE CIRCLE S
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**
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,170
Sqft
0.26 ac
Lot size
3
Garage
2005
Year built
One
Levels
$191
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.
$2,972 /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
$2,972/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
+19.9%
$/sqft vs Lake Suzy actives
$191 vs $195
Days on market
31 vs 61 typical
Where $191/sqft sits among the 14 Lake Suzy 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 Lake Suzy
Get to know Lake Suzy. See the full Lake Suzy guide →
LAKE SUZY 34269 — neighborhood snapshot
Population
5,111
Median age
62.7
Median income
$54,792
Median home value
$188,800
Avg household
2.16
Households w/ children
347
For the school run
DeSoto County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Suzy market
$244K → $399K
Lake Suzy median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
5 of 14
Lake Suzy actives have cut their price
Median sold price, Lake Suzy, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the LAKE SUZY 34269 median. See the full Lake Suzy market guide →
Paper trail
This home's history
Reality check
What actually sold near 12933 SW PEMBROKE CIRCLE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$518,000
12741 SW PEMBROKE CIRCLE S · same community
4 bd · 2 ba · 2,170 sqft · $239/sqft · 27 DOM
Sold · Apr ’26$420,000
13048 SW PEMBROKE CIRCLE S · same community
4 bd · 2 ba · 2,236 sqft · $188/sqft · 38 DOM
Sold · Jul ’26$635,000
12894 SW PEMBROKE CIRCLE S · same community
3 bd · 2 ba · 2,270 sqft · $280/sqft · 23 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12933 SW PEMBROKE CIRCLE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12933 SW PEMBROKE CIRCLE S — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12933 SW PEMBROKE CIRCLE S FAQs
What would the monthly payment be for 12933 SW PEMBROKE CIRCLE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,972/mo — principal and interest, the actual property-tax bill, the $13/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 12933 SW PEMBROKE CIRCLE S?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12933 SW PEMBROKE CIRCLE S?+
The most recent tax bill on record (2025) was $2,066. 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 12933 SW PEMBROKE CIRCLE S?+
The listing reports pets: 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 Lake Suzy?+
At $415,000, this home is listed about 36% above the Lake Suzy median of $305,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12933 SW PEMBROKE CIRCLE S?+
Nocatee Elementary School (elementary) — DeSoto County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$415,000 runs 18% above the LAKE SUZY 34269 median — but at 2,170 sqft it's also 39% larger than the typical Lake Suzy listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $425,000, now $415,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Tania Suris Hood. MLS #C7528203.
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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