1132 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1132 Hilltop Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,021 sqft · built 2021
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Mar 2026)
Tax Bill	$7,840 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0640-0001-0450`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0640-0001-0450`
Alternative APN	`263026064000010450`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,021 sqft Living Area
Gross Area	3,630 sqft
1st Floor Area	2,045 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1132 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 45
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	RESERVE AT PINE TREE
Legal Lot Number	45
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3383 SE 37TH AVENUE RD, OCALA, FL 34480-4979
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC
Feb 23, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HAMILTON HOME LOANS INC
Jan 28, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	202630686
Deed Book / Page	6934 / 43
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2026
Property Address	1132 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number	0069340043
Book / Page	6934 / 43
Map Reference	MB 27 PG 93-95
Instrument Date	Mar 4, 2026
Instrument	2026030686
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6850 E MAYO BLVD # BLVD401, BLVD401, PHOENIX, AZ 85054-5679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3383 SE 37TH AVENUE RD, OCALA, FL 34480-4979

Mortgage

Document Number	0000693445
Date	Mar 10, 2026
Instrument	6934/45

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 23, 2022
Property Address	1132 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number	0061561150
Book / Page	6156 / 1150
Map Reference	MB 27 PG 93-95
Instrument Date	Feb 18, 2022
Instrument	2022029252
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, SAND LAKE, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1132 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number	0061561152
Date	Feb 23, 2022
Instrument	6156/1152

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	1132 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

Transaction

Amount	Amount Recorded
Tax	$16,380.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6900 TAVISTOCK LAKES BLVD #200 ORLANDO FL 328277591, 200, ORLANDO, FL 32827-7591
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,840.00 (+0.56%)	$437,800 (+7.12%) Land $70,000 Building $367,800	$437,800 (+7.12%) Land $70,000 Building $367,800
2024	$7,796.00 (+5.87%)
2023	$7,364.00 (+14.76%)	$408,700 (+14.84%) Land $70,000 Building $338,700	$408,700 (+14.84%) Land $70,000 Building $338,700
2022	$6,417.00	$355,900 Land $50,000 Building $305,900	$355,900 Land $50,000 Building $305,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Xfinity.

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