Beds
4
Baths
4
Sq Ft
3,068 sq ft
Year Built
2021
Lot Size
0.16 acres
Garage
2
About This Property
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
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Take Narcoossee Rd & continue onto Hickory Tree Dr, turn left onto Creekway & turn left onto Hilltop Place. Property will be on your right.
Location
1285 HILLTOP PLACE, ST CLOUD, FL 34772
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$499,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $499,000 home in ST CLOUD.
🏛️
FHA Loan
$17,465 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$24,950 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 2, 2026.