1140 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1140 Hilltop Pl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,486 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$333,835 (Nov 2020)
Tax Bill	$5,255 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`262630064000010440`

Property Details

APN / Parcel Number

Primary APN	`262630064000010440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,486 sqft Heated Area
Gross Area	3,065 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	477 sqft
Porch	Open Porch
Deck Area	1,201 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1140 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 44
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	RESERVE AT PINE TREE
Legal Tract	640
Legal Lot Number	44
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records · APN 262630064000010440

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	2 Individual Names on File
Mailing Address	1140 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	2020160655
Deed Book / Page	5838 / 2907
Record Updated	Jun 08, 2026

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 24, 2020
Property Address	1140 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number	0058382907
Book / Page	005838 / 002907
Instrument Date	Nov 23, 2020
Instrument	160655
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2020
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	$2,337.00
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	1140 HILLTOP PL ST CLOUD FL 347726538, ST CLOUD, FL 34772-6538

Mortgage

Document Number	58382909
Date	Nov 24, 2020
Book Page	005838/002909
Instrument	160656

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

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	$5,255.00 (+5.99%) Homeowner's exemption	$336,474 (+5.99%)	$422,800 (+7.17%) Land $70,000 Building $352,800
2023	$4,958.00 (+3.4%) Homeowner's exemption	$317,468 (+3%)	$394,500 (+19.11%) Land $70,000 Building $324,500
2022	$4,795.00 Homeowner's exemption	$308,222	$331,200 Land $50,000 Building $281,200

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 33 of 36 on primary residences

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 1,449 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.