1229 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1229 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	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$339,199 (Nov 2021)
Tax Bill	$5,420 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`262630064000010790`

Property Details

APN / Parcel Number

Primary APN	`262630064000010790`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,585 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1229 HILLTOP PL
City	SAINT CLOUD
State	FL
Zip	34772-6540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT PINE TREE PB 27 PGS 93-95 LOT 79
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	RESERVE AT PINE TREE
Legal Tract	640
Legal Lot Number	79
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 December 11, 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 Record
Mailing Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 4, 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	Name on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Deed Document Number	2021171698
Deed Book / Page	6079 / 2530
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540

Mortgage

Document Number	0065722352
Date	Mar 28, 2024
Book Page	6572/2352
Instrument	2024039761

Lender

Name	US BANK NA
Type	Bank
Address	9380 EXCELSIOR BLVD, HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2054

Interest

Change Frequency	Monthly

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 4, 2021
Property Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540
Document Number	0060792530
Book / Page	6079 / 2530
Map Reference	MB 27 PG 93-95
Instrument Date	Oct 27, 2021
Instrument	2021171698
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	$2,374.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540

Mortgage

Document Number	0060792532
Date	Nov 4, 2021
Instrument	6079/2532

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	1229 HILLTOP PL, SAINT CLOUD, FL 34772-6540
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 July 1, 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	$5,420.00 (+5.96%) Homeowner's exemption	$345,729 (+5.99%)	$348,000 (+6.68%) Land $70,000 Building $278,000
2023	$5,115.00 (+5.88%) Homeowner's exemption	$326,200 (+21.76%) Land $70,000 Building $256,200	$326,200 (+21.76%) Land $70,000 Building $256,200
2022	$4,831.00	$267,900 Land $50,000 Building $217,900	$267,900 Land $50,000 Building $217,900

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	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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