Osceola County property record for 1292 Hilltop Pl, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,092 sqft · built 2019 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Jan 2026) |
| Tax Bill | $4,716 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0640-0001-0250 |
| Primary APN | 26-26-30-0640-0001-0250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,092 sqft Living Area |
| Gross Area | 2,666 sqft |
| 1st Floor Area | 2,092 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 154 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1292 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 25 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | RESERVE AT PINE TREE |
| Legal Lot Number | 25 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-0640-0001-0250
Assessment roll updated November 26, 2025 · Last verified July 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 | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Jan 06, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 05, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2026 · Amount on Record |
| Deed Sale | Jan 06, 2026 · Amount on Record |
| Prior Sale | Sep 05, 2019 · Amount on Record |
| Deed Document Number | 20261707 |
| Deed Book / Page | 6904 / 456 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0063900479 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 6390/479 |
| Instrument | 2023045699 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 01, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 06, 2026 |
| Property Address | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0069040456 |
| Book / Page | 6904 / 456 |
| Map Reference | MB 27 PG 93-95 |
| Instrument Date | Dec 31, 2025 |
| Instrument | 2026001707 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | TITLE ONE FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6867 YELLOW WARBLER BND, HARMONY, FL 34773-6245 |
| Name | Verified Name |
|---|---|
| Address | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0006904458 |
|---|---|
| Date | Jan 06, 2026 |
| Instrument | 6904/458 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 05, 2019 |
| Property Address | 1292 HILLTOP PL, SAINT CLOUD, FL 34772-6538 |
| Document Number | 0055841195 |
| Book / Page | 005584 / 001195 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 114375 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 28, 2019 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,908.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1292 HILLTOP PL ST CLOUD FL 347726538, ST CLOUD, FL 34772-6538 |
| Document Number | 55841198 |
|---|---|
| Date | Sep 05, 2019 |
| Book Page | 005584/001198 |
| Instrument | 114377 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $4,716.00 (+12.15%) | $306,354 (+6.36%) | $345,100 (+6.64%) Land $70,000 Building $275,100 |
| 2023 | $4,205.00 (+10.17%) Homeowner's exemption | $288,047 (+12.91%) | $323,600 (+22.07%) Land $70,000 Building $253,600 |
| 2022 | $3,817.00 Homeowner's exemption | $255,120 | $265,100 Land $50,000 Building $215,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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