1109 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1109 Hilltop Pl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,759 sqft · built 2019
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jul 2022)
Tax Bill	$5,073 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`262630064000010500`

Property Details

APN / Parcel Number

Primary APN	`262630064000010500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,759 sqft Heated Area
Gross Area	2,314 sqft
1st Floor Area	1,759 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1109 HILLTOP PL
City	SAINT CLOUD
State	FL
Zip	34772-6539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT PINE TREE PB 27 PGS 93-95 LOT 50
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	RESERVE AT PINE TREE
Legal Tract	640
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records · APN 262630064000010500

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
Mailing Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jul 15, 2022	Warranty Deed, Transfer · FHA Mortgage READY MORTGAGE LENDERS LLC
Sep 08, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 27, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	0062521234
Deed Book / Page	6252 / 1234
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539

Mortgage

Document Number	0060332276
Date	Aug 31, 2021
Book Page	6033/2276
Instrument	2021135236

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2022
Property Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539
Document Number	0062521234
Book / Page	6252 / 1234
Map Reference	MB 27 PG 93
Instrument Date	Jul 15, 2022
Instrument	2022109747
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ROSCOMMON COUNTY TITLE INSURANCE AGENCY, ROSEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 N ORANGE AVE APT 1129, 1129, ORLANDO, FL 32801-2194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539

Mortgage

Document Number	0062521236
Date	Jul 15, 2022
Instrument	6252/1236

Lender

Name	READY MORTGAGE LENDERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539

Mortgage

Document Number	0057882174
Date	Sep 08, 2020
Book Page	5788/2174
Instrument	2020118768

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Dec 01, 2049

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 27, 2019
Property Address	1109 HILLTOP PL, SAINT CLOUD, FL 34772-6539
Document Number	0056302967
Book / Page	005630 / 002967
Instrument Date	Nov 26, 2019
Instrument	154473
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2019
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,846.64
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 HILLTOP PL ST CLOUD FL 347726539, ST CLOUD, FL 34772-6539

Mortgage

Document Number	56302969
Date	Nov 27, 2019
Book Page	005630/002969
Instrument	154474

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$5,073.00 (-8.1%) Homeowner's exemption	$326,300 (+6.53%) Land $70,000 Building $256,300	$326,300 (+6.53%) Land $70,000 Building $256,300
2023	$5,520.00 (+61.31%)	$306,300 (+31.99%) Land $70,000 Building $236,300	$306,300 (+22.28%) Land $70,000 Building $236,300
2022	$3,422.00 Homeowner's exemption	$232,059	$250,500 Land $50,000 Building $200,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 229 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Hilltop Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures