2640 HILLTOP LOOP, APOPKA, FL, 32712
Active48 days on marketListed Jun 4, 2026MLS #O6413407
About this home
2640 HILLTOP LOOP
Welcome to 2640 Hilltop Loop, Apopka, FL 32712, an exceptional 4-bedroom, 3.5-bathroom home with solar panels, a 3-car garage, and over-the-top functionality in the highly desirable Vista Reserve community. From the moment you step inside, you'll be greeted by a spacious foyer that opens to a versatile flex space, currently used as a home office, offering endless possibilities to fit your lifestyle. Continue into the heart of the home where an expansive open-concept floor plan seamlessly blends the living, dining, and kitchen areas, creating the perfect setting for everyday living and entertaining. The stunning kitchen is designed to impress, featuring a large center island with additional seating, stainless steel appliances, abundant counter and cabinet space, and an oversized walk-in pantry. Conveniently located on the first floor are a half bathroom and a dedicated laundry room. Smart home features include Wi-Fi-enabled Samsung refrigerator, range, washer, and dryer, all integrated with the Samsung SmartThings app. Enjoy remote monitoring and control, including the refrigerator's built-in interior cameras for viewing contents from your smartphone. Upstairs, enjoy the privacy and comfort of having all bedrooms thoughtfully situated on the second level. The spacious primary suite serves as a true retreat, complete with an extra-large walk-in closet and an en-suite bathroom featuring dual vanities and a separate shower. Three additional bedrooms provide plenty of room for family and guests, including one bedroom with its own private bathroom, while another full bathroom serves the remaining bedrooms. A generous loft area completes the second floor, offering the perfect space for a media room, play area, or additional living space. Step outside through the sliding glass doors from the dining area to enjoy the covered lanai and outdoor grilling area overlooking the expansive backyard, ideal for relaxing evenings and weekend gatherings. Additional highlights include solar panels for energy efficiency, a paver driveway, and a spacious 3-car garage. Residents of Vista Reserve enjoy access to outstanding community amenities, including a pool, playground, and community mailboxes. Conveniently located near shopping, dining, and entertainment, this home is just minutes from Wekiva Springs State Park, the Northwest Recreation Complex, and Highway 429, providing easy access throughout Central Florida and beyond. This exceptional home offers the perfect combination of space, style, efficiency, and location. Don't miss your opportunity to make it yours.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,741
Sqft
0.19 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$180
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.
$4,761 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,761/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2%
Days on market
48 vs 28 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Apopka
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apopka. See the full Apopka guide →
APOPKA 32712 — neighborhood snapshot
Population
49,522
Median age
41.9
Median income
$106,264
Median home value
$389,900
Avg household
3.04
Households w/ children
5,838
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apopka market
$399K → $415K
Apopka median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% above the APOPKA 32712 median. See the full Apopka market guide →
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2640 HILLTOP LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2640 HILLTOP LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
2640 HILLTOP LOOP FAQs
What would the monthly payment be for 2640 HILLTOP LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,761/mo — principal and interest, the actual property-tax bill, the $136/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 2640 HILLTOP LOOP?+
The association fee works out to $136 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2640 HILLTOP LOOP?+
The most recent tax bill on record (2025) was $6,832. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2640 HILLTOP LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Apopka?+
At $675,000, this home is listed about 50% above the Apopka median of $448,952. The market section on this page shows how the area is trending.
Which schools are assigned to 2640 HILLTOP LOOP?+
Apopka Middle (middle), Dream Lake Elementary (elementary), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of EXP REALTY LLC · Veronica Figueroa. MLS #O6413407.
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 Stellar MLS.
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