Osceola County property record for 1165 Hilltop Pl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,759 sqft · built 2019 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,475 (Dec 2019) |
| Tax Bill | $3,809 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0640-0001-0530 |
| Primary APN | 26-26-30-0640-0001-0530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,759 sqft Living Area |
| Gross Area | 2,314 sqft |
| 1st Floor Area | 1,759 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| 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 | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 114 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1165 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 53 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | RESERVE AT PINE TREE |
| Legal Lot Number | 53 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-0640-0001-0530
Assessment roll updated November 26, 2025 · Last verified August 2026
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 | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Dec 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 31, 2019 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage DEVELOPERS MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 31, 2019 · Amount on Record |
| Deed Sale | Dec 31, 2019 · Amount on Record |
| Deed Document Number | 2019169455 |
| Deed Book / Page | 5650 / 322 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Name | Verified Name |
|---|---|
| Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Document Number | 0060532602 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 6053/2602 |
| Instrument | 2021150839 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Document Number | 0064422799 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 6442/2799 |
| Instrument | 2023093206 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jul 18, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Document Number | 0058550997 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 5855/997 |
| Instrument | 2020173035 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 31, 2019 |
| Property Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Document Number | 0056500322 |
| Book / Page | 5650 / 0322 |
| Map Reference | MB 27 PG 93-95 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 2019169455 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,930.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 1165 HILLTOP PL, SAINT CLOUD, FL 34772-6539 |
| Document Number | 0056500324 |
|---|---|
| Date | Dec 31, 2019 |
| Instrument | 5650/0324 |
| Name | DEVELOPERS MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $3,809.00 (+6.25%) Homeowner's exemption | $255,691 (+5.99%) | $328,100 (+6.46%) Land $70,000 Building $258,100 |
| 2023 | $3,585.00 (+3.58%) Homeowner's exemption | $241,248 (+3%) | $308,200 (+22.06%) Land $70,000 Building $238,200 |
| 2022 | $3,461.00 Homeowner's exemption | $234,222 | $252,500 Land $50,000 Building $202,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 229 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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