1285 Hilltop Place, Saint Cloud FL 34772, SAINT CLOUD, FL, 34772
Active128 days on marketListed Mar 25, 2026MLS #A11988973
About this home
1285 Hilltop Place, Saint Cloud FL 34772
Stunning 4BD/3.5BTH features a versatile flex room that can serve as a 5TH BEDROOM, gym or home office. Offering 3,088sqft of designed living space, this move in ready home blends modern style, functionality, & room for everyone. The 1ST floor features a flex room, mudroom, laundry room, & guest bath. At the heart of the home is the chef inspired kitchen, connecting to the family & dining areas, making it perfect for entertaining guests. Beautiful laminate flooring on the stairwell creates an elegant transition to the 2nd level. Upstairs, you'll find a spacious primary suite, 3 additional bedrooms, including 2 connected by a Jack & Jill bathroom & a large loft ideal for a game room, home theater, or 2nd living area. Adding to the home's thoughtful design is a convenient 2nd floor laundry chute that drops directly into the 1st floor laundry room. Step outside to the paved backyard, perfect for weekend BBQs & relaxing FL evenings. Plenty of room to add a custom pool, this outdoor space offers endless possibilities to create your own private backyard oasis & enjoy the FL lifestyle yr round. Perfectly located just mins from Lake Nona, Medical City, Orlando Int'l Airport, shopping, dining, & major roadways, this home delivers the lifestyle you've been searching for without the premium price tag. If you've been looking for a home w/ room to grow, work from home, entertain, & create lasting memories, your search ends here. Not a CDD community & low HOA fee.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,068
Sqft
2
Garage
2021
Year built
$168
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,024 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,024/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside SAINT CLOUD 34772
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
SAINT CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The SAINT CLOUD 34772 market
This home is listed 39% above the SAINT CLOUD 34772 median.
Paper trail
This home's history
Reality check
What actually sold near 1285 Hilltop Place
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$525,000
1132 HILLTOP PLACE · same community
5 bd · 3.5 ba · 3,021 sqft · $174/sqft · 22 DOM
Sold · Feb ’26$408,990
1220 HILLTOP PLACE UNIT 1220 · same community
4 bd · 2.5 ba · 2,381 sqft · $172/sqft · 300 DOM
Sold · Dec ’25$390,000
1292 HILLTOP PLACE · same community
4 bd · 2 ba · 2,092 sqft · $186/sqft · 33 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1285 Hilltop Place — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1285 Hilltop Place — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1285 Hilltop Place FAQs
What would the monthly payment be for 1285 Hilltop Place, Saint Cloud FL 34772?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,024/mo — principal and interest, the actual property-tax bill, the $114/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1285 Hilltop Place, Saint Cloud FL 34772?+
The association fee works out to $114 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1285 Hilltop Place, Saint Cloud FL 34772?+
The most recent tax bill on record (2025) was $5,880. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in SAINT CLOUD 34772?+
At $515,000, this home is listed about 39% above the SAINT CLOUD 34772 median of $370,495. The market section on this page shows how the area is trending.
Which schools are assigned to 1285 Hilltop Place, Saint Cloud FL 34772?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$515,000 runs 39% above the SAINT CLOUD 34772 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $535,000, now $515,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Real Estate Empire Group, Inc. · Carrie Castro PA. MLS #A11988973.
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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.