$499,000
1285 Hilltop PlaceSt Cloud, FL 34772
Listing updated: November 2, 2026 at 2:24 PM ET
Listing courtesy of Keller Williams Realty At The Parks · Sean Flatley · MLS #O6452769 · Active · 407-629-4420Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to The Reserve at Pine Tree. This beautifully maintained and designed 4-bedroom, 3.5-bath home sits in a peaceful, family-oriented St. Cloud neighborhood. This property offers the perfect blend of comfort, modern living, and convenience in one of Central Florida’s fastest-growing areas. The home features a bright and inviting open layout with stylish finishes and thoughtfully designed spaces that make everyday living and entertaining effortless. The home welcomes you with high ceilings throughout the main living areas, creating an open and airy atmosphere ideal for everyday living and entertaining. The spacious kitchen serves as the heart of the home, featuring a large center island, stainless steel appliances, ample cabinetry, and generous counter space. Eat-in kitchen with a designer backsplash. In-wall oven, solid wood cabinetry, high ceilings, walk-in pantry. First-floor laundry room. New Roof 2025. Upstairs includes a spacious primary suite, 3 additional bedrooms, Jack & Jill bath, large loft, & a convenient laundry chute to the 1st floor laundry room. Well-manicured yard, fenced, paver driveway. Gutters, Keyless Entry, French doors, recessed lighting, arched architectural features, built-ins, etc. Tons of natural light. Paved backyard patio with plenty of room for a custom pool, creating the perfect private oasis for Florida living. Residents enjoy a wealth of community amenities, including a vibrant clubhouse for social events, a refreshing pool and cabana for relaxation, a playground and park for family fun, and scenic walking trails or ponds for strolls—all maintained through a low-cost HOA with no CDD fees. Also, features a state-of-the-art fitness center. Highly accessible to local recreation spots, including the Royal St. Cloud Golf Links and St. Cloud Lake Front Park. Minutes away from the Orlando Health St. Cloud Hospital. Nestled off Old Canoe Creek Road, the neighborhood sits just a short drive from the Florida Turnpike, striking a balance between a quieter suburban retreat and straightforward commuting
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 history189 days on market
- Status: ActiveNov 2, 2026
- Listed$499,000Nov 2, 2026
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 189
- Cumulative DOM
- 189
- Subdivision
- Reserve At Pine Tree
- County
- Osceola
- Year built
- 2021
- Living area
- 3,068 sq ft
- Price/sq ft
- $163
- Building area
- 3,556 sq ft (Public Records)
- Lot size
- 6,970 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $6,124 (2025)
- Parcel #
- 26-26-30-0640-0001-0850
- Zoning
- R1
- MLS #
- O6452769
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Ceramic Tile, Laminate
- Appliances
- Built-In Oven, Cooktop, Dishwasher, Electric Water Heater, Exhaust Fan, Microwave, Range Hood, Refrigerator
- Interior features
- Built-in Features, Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener, Guest, Off Street, On Street, Parking Pad
HOA & Financial
- HOA fee
- $114 / Monthly
- Monthly HOA
- $114/mo
- Total monthly fees
- $114/mo
- Total annual fees
- $1,368
- HOA name
- Jedi Management
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- BUYER TO VERIFY ALL LEASE RESTRICTIONS WITH THE ASSOCIATION AND COUNTY
Exterior & Construction
- Exterior features
- Garden, Lighting, Private Yard, Rain Gutters, Sidewalk
- Construction materials
- Block, Brick, Concrete, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Public
Community
- Pets allowed
- Cats OK, Dogs OK
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 |
|---|---|---|
| Living Room | First | |
| Kitchen | First | 14x17 |
| Family Room | First | 25x20 |
| Primary Bedroom | Second | 14x25 |
| Bedroom 2 | Second | |
| Bedroom 3 | Second | |
| Bedroom 4 | Second | |
| Loft | Second | 12x18 |
| Dining Room | First | |
| Laundry | First |
Listing Details
- Listing date
- 2026-11-02
- On market date
- 2026-11-02
- Original list price
- $499,000
- Occupant type
- Owner
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-11-02
- Tax legal description
- RESERVE AT PINE TREE PB 27 PGS 93-95 LOT 85
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
Take Narcoossee Rd & continue onto Hickory Tree Dr, turn left onto Creekway & turn left onto Hilltop Place. Property will be on your right.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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