1501 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1501 Alligator St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,373 sqft · built 2016
Lot Size	0.306 acres (13,329 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Mar 2025)
Tax Bill	$4,616 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0842-0001-2520`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0842-0001-2520`
Alternative APNs	`253131084200012520` `153501`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,373 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	2,373 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,329 sqft (0.306 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	420 sqft
Porch	Metal Porch
Porch Area	594 sqft
Deck Area	436 sqft
Patio Area	900 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1501 ALLIGATOR ST
City	SAINT CLOUD
State	FL
Zip	34771-7512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1B PB 19 PG 189-191 LOT 252
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1B
Legal Phase	1B
Legal Tract	842
Legal Block	2520
Legal Lot Number	252
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43600

Owner

Source: Osceola County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1501 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FUNDING INC
Apr 7, 2017	Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK
Nov 20, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Mar 7, 2016 · Amount on Record
Deed Document Number	202529282
Deed Book / Page	6751 / 533
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512

Mortgage

Document Number	0059961066
Date	Jul 6, 2021
Book Page	5996/1066
Instrument	2021104884

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051291009
Date	Apr 7, 2017
Book Page	5129/1009
Instrument	2017052953

Lender

Name	PEOPLES BANK
Type	Bank
Address	OVERLAND PARK, KS 66213

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1501 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Document Number	0052441908
Book / Page	005244 / 001908
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1501 ALLIGATOR ST ST CLOUD FL 347717512, ST CLOUD, FL 34771-7512

Mortgage

Document Number	0052441908
Date	Nov 28, 2017
Book Page	005244/001908
Instrument	168317

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,616.00 (+6.19%)	$305,814 (+5.99%)	$431,800 (+0.54%) Land $75,000 Building $356,800
2023	$4,347.00 (+3.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$288,540 (+3%)	$429,500 (+12.7%) Land $65,000 Building $364,500
2022	$4,199.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,136	$381,100 Land $60,000 Building $321,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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