Osceola County property record for 1172 Hilltop Pl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,519 sqft · built 2021 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $302,579 (Jun 2021) |
| Tax Bill | $5,125 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Mar 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 262630064000010400 |
| Primary APN | 262630064000010400 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,519 sqft Heated Area |
| Gross Area | 3,019 sqft |
| 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 |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1172 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 40 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | RESERVE AT PINE TREE |
| Legal Tract | 640 |
| Legal Lot Number | 40 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 262630064000010400
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 | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING |
| Mar 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jun 08, 2021 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Jan 28, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 08, 2021 · Amount on Record |
| Deed Sale | Jun 08, 2021 · Amount on Record |
| Deed Document Number | 2021089048 |
| Deed Book / Page | 5976 / 1402 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0065221265 |
|---|---|
| Date | Dec 20, 2023 |
| Book Page | 6522/1265 |
| Instrument | 2023165602 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 10, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0067480227 |
|---|---|
| Date | Mar 04, 2025 |
| Book Page | 6748/227 |
| Instrument | 2025026582 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78756 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 08, 2021 |
| Property Address | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0059761402 |
| Book / Page | 5976 / 1402 |
| Map Reference | MB 27 PG 93-95 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021089048 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,118.20 |
| 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 | 1172 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0059761404 |
|---|---|
| Date | Jun 08, 2021 |
| Instrument | 5976/1404 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 28, 2020 |
| Property Address | 1172 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 | $5,125.00 (+6%) Homeowner's exemption | $329,246 (+5.99%) | $391,800 (+6.96%) Land $70,000 Building $321,800 |
| 2023 | $4,835.00 (+3.4%) Homeowner's exemption | $310,648 (+3%) | $366,300 (+21.45%) Land $70,000 Building $296,300 |
| 2022 | $4,676.00 Homeowner's exemption | $301,600 Land $50,000 Building $251,600 | $301,600 Land $50,000 Building $251,600 |
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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Lumen Technologies.
Based on FCC filings for 340 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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