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1284 Hilltop Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1284 Hilltop Pl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,854 sqft · built 2020
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$308,097 (Jul 2020)
Tax Bill$3,968 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Jan 2020 Sale
Flood ZoneZone X (minimal risk)
APN262630064000010260

Property Details

APN / Parcel Number

Primary APN262630064000010260

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,854 sqft Heated Area
Gross Area2,484 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1284 HILLTOP PL
CitySAINT CLOUD
StateFL
Zip34772-6538
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRESERVE AT PINE TREE PB 27 PGS 93-95 LOT 26
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionRESERVE AT PINE TREE
Legal Tract640
Legal Lot Number26
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 262630064000010260

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1284 HILLTOP PL, SAINT CLOUD, FL 34772-6538
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2020Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
BROKER SOLUTIONS INC
Jan 28, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 17, 2020 · Amount on Record
Deed SaleJul 17, 2020 · Amount on Record
Deed Document Number2020093491
Deed Book / Page5756 / 1850
Record UpdatedJun 08, 2026

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2020
Property Address1284 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number0057561850
Book / Page5756 / 1850
Map ReferenceMB 27 PG 93-95
Instrument DateJul 15, 2020
Instrument2020093491
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,156.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

NameVerified Name
Address1284 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number0057561852
DateJul 17, 2020
Instrument5756/1852
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 28, 2020
Property Address1284 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Document Number0056642389
Book / Page005664 / 002389
Instrument DateJan 10, 2020
Instrument13465
Transaction TypeTransfer
Record UpdatedFeb 20, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$16,380.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6900 TAVISTOCK LAKES BLVD #200 ORLANDO FL 328277591, 200, ORLANDO, FL 32827-7591
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,968.00 (+6.21%) Homeowner's exemption$264,573 (+5.99%)$339,800 (+6.59%) Land $70,000 Building $269,800
2023$3,736.00 (+3.55%) Homeowner's exemption$249,629 (+3%)$318,800 (+21.91%) Land $70,000 Building $248,800
2022$3,608.00 Homeowner's exemption$242,359$261,500 Land $50,000 Building $211,500

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 340 locations within half a mile · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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