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Overview

4 bd4 ba2,747 sqft2 car garageSingle Family
TypeSingle Family
HOA$70/mo
Built2018
Lot7,341 sqft
Living area2,747 sqft
Price / sqft$171
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Eat-in KitchenHigh CeilingsPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)LightingSidewalkStreet Lights

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.

From the listing

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.

The essentials

Built
2018
Price / sqft
$171
On market
46 days
Annual tax
$7,240
HOA
$70/mo
Flood zone
X · Low risk
Lot
7,341 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
2 car garage
7,341 sqft lot
Lot size
2,747 sqft
Living area

Payment

Est. monthly payment
$3,354/mo
Down payment (20%)
$93,800
Property taxes
$603/mo
HOA
$70/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
7,341 sqft
Cooling
Central Air
Heating
Central, Electric, Gas
Parking
-
Days on Market
46
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Lighting
Sidewalk
Street Lights
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Wheatley Elem
Middle
Piedmont Lakes Middle
High
Wekiva High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,240
Parcel #
21-21-28-3633-02-300

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hilltop Reserve Ph 4
County
Orange
MLS Area
32703 - Apopka
Lot Size
7,341 sqft
Corner LotSidewalk
HOA
$70/mo
Miriam Hay

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #O6436183
$469,000-2.1%
$171/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #O6436183
$479,000
$174/sqft

Neighborhood

995 Karst Tree Ln
Apopka, FL, 32703 · 32703 - Apopka

Market insights

Offer Insights

Choose an offer strength

List price: $469,000
$467,500 – $469,000
99.5% – 100% of listTops out right at the list price
80% of listList price
171 of the last 276 home closings in 32703 landed at this number or higher (62%). The median one sat 28 days before it went under contract, and this one is on day 46 after a $10,000 cut.

Sample: 276 closed home sales in 32703 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,354/mo
Principal & interest$2,446
Property taxes$603
Insurance$235
HOA$70
Down payment20% · $93,800
Interest rate6.80%
Loan term

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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.

Offer

What should I offer?

Have another question?

Brokered byBERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTYListing agent: Heather Walker, PAListing data from Stellar MLS, MLS# O6436183.

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