1196 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1196 Hilltop Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2021
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,233 (Jul 2021)
Tax Bill	$5,336 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0640-0001-0370`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0640-0001-0370`
Alternative APN	`263026064000010370`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,854 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	468 sqft
Porch	Finished/Open Porch
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1196 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 37
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	RESERVE AT PINE TREE
Legal Lot Number	37
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 August 14, 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 Record
Mailing Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 6, 2024	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Jul 27, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jan 28, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	2021115750
Deed Book / Page	6010 / 455
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2026
Property Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number	0000100734
Book / Page	7013 / 1684
Instrument Date	Jul 13, 2026
Instrument	2026100734
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number	0000100734,
Date	Aug 3, 2026
Book Page	7013/1684
Instrument	2026100734

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 1, 2051

Interest

Rate	6.52%
Max Rate	-1%

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number	0067061756
Date	Dec 6, 2024
Book Page	6706/1756
Instrument	2024153937

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	AUSTIN, TX 78726

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2021
Property Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number	0060100455
Book / Page	6010 / 455
Map Reference	MB 27 PG 93-95
Instrument Date	Jul 23, 2021
Instrument	2021115750
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	$2,130.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 TAVISTOCK LAKES BOULEVARD STE 200, 200, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number	0006010457
Date	Jul 27, 2021
Instrument	6010/457

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	1196 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	$5,336.00 (-0.69%) Homeowner's exemption	$341,000 (+6.66%) Land $70,000 Building $271,000	$341,000 (+6.66%) Land $70,000 Building $271,000
2023	$5,373.00 (+13.55%)	$319,700 (+21.84%) Land $70,000 Building $249,700	$319,700 (+21.84%) Land $70,000 Building $249,700
2022	$4,732.00	$262,400 Land $50,000 Building $212,400	$262,400 Land $50,000 Building $212,400

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	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 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 340 locations within half a mile, as of December 31, 2025

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: CenturyLink.

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