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About this home
995 Karst Tree Ln is a 2018-built home in Hilltop Reserve Ph 4, Apopka. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,747 square feet of living space. Listed at $469,000 (about $171/sqft), 46 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 monthly.
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.
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$469,000
$171 per sq ft
Beds and baths
4 beds, 4 baths
Size
2,747 sq ft
Time on market
46 days
Year built
2018
Monthly payment
About $3,354/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,240 annual tax bill, insurance, and the $70/mo HOA fee.
HOA fee
$70/mo
Managed by Miriam Hay.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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