Osceola County property record for 1108 Hilltop Pl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2021 |
| Square Footage | 3,856 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $378,085 (2021) |
| Tax Bill | $5,731.00 (2025) |
| Primary APN | 262630064000010480 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,856 sqft Heated Area |
| Gross Area | 4,355 sqft Gross Area |
| Stories | 2 Stories |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished |
| Patio Area | 170 sqft Patio |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1108 HILLTOP PL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESERVE AT PINE TREE PB 27 PGS 93-95 LOT 48 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | RESERVE AT PINE TREE |
| Legal Tract | 640 |
| Legal Lot Number | 48 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 262630064000010480
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Oct 23, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 05, 2025 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Jan 28, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on Record |
| Deed Sale | Apr 30, 2021 · Amount on Record |
| Prior Sale | Apr 30, 2021 · Amount on Record |
| Deed Document Number | 0059472488 |
| Deed Book / Page | 5947 / 2488 |
| Last Transfer Date | Feb 05, 2025 |
| Transfer Doc | 0067352442 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0064751363 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 6475/1363 |
| Instrument | 2023122522 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0068691328 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | 6869/1328 |
| Instrument | 2025131426 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | May 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 05, 2025 |
| Property Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0067352442 |
| Book / Page | 6735 / 2442 |
| Map Reference | MB 27 PG 93 |
| Instrument Date | Jan 31, 2025 |
| Instrument | 2025015013 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 1004 LIMBURG DR, HAMPTON, GA 30228-3843 |
| Name | Verified Name |
|---|---|
| Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 2025015014 |
|---|---|
| Date | Feb 05, 2025 |
| Instrument | 2025015014 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 30, 2021 |
| Property Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0059472488 |
| Book / Page | 5947 / 2488 |
| Map Reference | MB 27 PG 93-95 |
| Instrument Date | Apr 28, 2021 |
| Instrument | 2021066055 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,646.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6900 TAVISTOCK LAKES BOULEVARD STE 200, 200, ORLANDO, FL 32827-7591 |
| Name | Verified Name |
|---|---|
| Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0059472490 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 5947/2490 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 28, 2020 |
| Property Address | 1108 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0056642389 |
| Book / Page | 005664 / 002389 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 13465 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $16,380.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6900 TAVISTOCK LAKES BLVD #200 ORLANDO FL 328277591, 200, ORLANDO, FL 32827-7591 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,731.00 (+5.91%) Homeowner's exemption | $363,105 (+5.99%) | $525,900 (+7.3%) Land $70,000 Building $455,900 |
| 2023 | $5,411.00 (-22.5%) Homeowner's exemption | $342,595 (-20.25%) | $490,100 (+14.08%) Land $70,000 Building $420,100 |
| 2022 | $6,982.00 Homeowner's exemption | $429,600 Land $50,000 Building $379,600 | $429,600 Land $50,000 Building $379,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 46% of the US · above 16% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 943 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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