


$479,000
995 Karst Tree Lane
Apopka, FL 32703
Listing updated: August 25, 2026 at 5:53 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to 995 Karst Tree Lane, a beautifully designed K. Hovnanian home in Apopka’s Hilltop Reserve community, where thoughtful spaces, stylish finishes, and an easygoing neighborhood feel come together beautifully. Built in 2018 and offering approximately 2,800 square feet, this 4-bedroom home plus an office has the space and flexibility to fit the way you live today. Step inside and you’re greeted by a bright, open floor plan with high ceilings, stylish stair railings, and plenty of natural light. A private office with French doors provides a quiet place to work from home, while additional flexible living space upstairs gives you options for a sitting room, playroom, additional office space or whatever suits your lifestyle. The heart of the home is the spacious gourmet kitchen, designed for both everyday meals and more formal gathering with friends and family. An impressive large island provides plenty of room for prep, serving and casual seating, complemented by granite countertops, 42-inch cabinetry, tile backsplash, stainless steel appliances, and generous storage. The kitchen flows naturally into the adjacent dining and living areas, creating one welcoming space for everything from weeknight dinners to holiday get-togethers. The main-level primary suite offers a comfortable retreat at the end of the day, complete with a spacious walk-in closet and a spa-inspired bath featuring dual sinks and an oversized glass-enclosed shower with multiple shower heads. Upstairs, a generous loft adds another place to relax and can easily become a media room, game room, fitness space, or second home office. Three additional bedrooms and two full baths provide plenty of room for family and guests. Storage abounds with an oversized closet off the foyer and under the stairs storage. Outside, there’s room to enjoy the Florida lifestyle, whether that means grilling, relaxing with your morning coffee, or creating a backyard space of your own. Life in Hilltop Reserve comes with the added bonus of neighborhood amenities, including a community pool, clubhouse, playground, park, and inviting outdoor spaces. Beyond the neighborhood, some of Central Florida’s best outdoor experiences are close to home. Spend weekends exploring Wekiwa Springs, tubing the crystal-clear waters of Rock Springs at Kelly Park, biking the Lake Apopka Loop Trail, or spotting native wildlife along the Lake Apopka Wildlife Drive. Fancy strolling Winter Garden's famous Farmer's Market? With convenient access to SR-429, you’re also within easy reach of Downtown Winter Garden’s Plant Street dining, shopping and weekend events. Spacious without feeling overwhelming and polished without losing its warmth, 995 Karst Tree Lane is the kind of home that makes everyday living feel a little more special. Come see why this may be the one that simply feels like home.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history0 days on market
- Status: ActiveAug 25, 2026
- Listed$479,000Aug 25, 2026
- Price increased$479,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Hilltop Reserve Ph 4
- County
- Orange
- Year built
- 2018
- Living area
- 2,747 sq ft
- Price/sq ft
- $174
- Building area
- 3,483 sq ft (Public Records)
- Lot size
- 7,341 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12095C0120H)
- Garage
- 2 spaces
- Annual taxes
- $7,240 (2025)
- Parcel #
- 21-21-28-3633-02-300
- Zoning
- P-D
- MLS #
- O6436183
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Disposal, Microwave, Range, Refrigerator
- Interior features
- Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- Two
- Direction faces
- West
Heating & Cooling
- Heating
- Central, Electric, Natural Gas
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $70 / Monthly
- Monthly HOA
- $70/mo
- Total monthly fees
- $70/mo
- Total annual fees
- $840
- HOA name
- Miriam Hay
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- No short term rentals allowed. Please contact the management company for a full list of leasing restrictions.
Exterior & Construction
- Exterior features
- Lighting, Sidewalk
- Construction materials
- Block, Concrete, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Electricity Connected, Natural Gas Connected, Public
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Living Room | First | |
| Office | First | |
| Primary Bedroom | First | |
| Bedroom 2 | Second | |
| Bedroom 3 | Second | |
| Bedroom 4 | Second | |
| Loft | Second | |
| Office | First |
Listing Details
- Listing date
- 2026-08-25
- On market date
- 2026-08-25
- Original list price
- $479,000
- Occupant type
- Owner
- MLS area
- 32703 - Apopka
- Listing AOR
- Orlando Regional
- Status changed
- 2026-08-25
- Tax legal description
- HILLTOP RESERVE PHASE 4 95/1 LOT 230
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From FL Turnpike N take exit 267A to Exit 29 Ocoee-Apopka Rd. Turn right on to W. Keene Rd. Turn left on Marden Rd. Turn right on to Hilltop Reserve Ln. Left on to Grand Hilltop Dr. and right on to Karst Tree Ln. House is on the left on the corner.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of August 25, 2026 at 5:53 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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