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1511 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1511 Alligator St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,776 sqft · built 2015
Lot Size0.201 acres (8,755 sqft)
Owner2 Individual Names on Record
Last Sale$515,000 (Sep 2025)
Tax Bill$3,151 (2025)
Deeds & MortgagesJun 2026 Mortgage
Sep 2025 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN31-25-31-0842-0001-2470

Property Details

APN / Parcel Number

Primary APN31-25-31-0842-0001-2470
Alternative APNs
  • 253131084200012470
  • 153496

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,776 sqft Living Area
Gross Area3,702 sqft
1st Floor Area2,776 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,755 sqft (0.201 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeAttached
Garage Area542 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area384 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1511 ALLIGATOR ST
CitySAINT CLOUD
StateFL
Zip34771-7512
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 247
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1B
Legal Phase1B
Legal Tract842
Legal Block2470
Legal Lot Number247
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43600

Owner

Source: Osceola County records, as of July 9, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2026Deed of Trust, Mortgage · VA Mortgage
HOME1ST LENDING, LLC.
Sep 24, 2025Warranty Deed, Transfer · VA Mortgage
HOME1ST LENDING LLC
Oct 3, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Feb 13, 2017Warranty Deed, Transfer
SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2025 · Amount on Record
Deed SaleSep 24, 2025 · Amount on Record
Prior SaleFeb 13, 2017 · Amount on Record
Deed Document Number2025116962
Deed Book / Page6852 / 379
Prior Transfer DateSep 6, 2018
Prior Transfer Doc0054111869
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 29, 2026
Property Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Document Number0000084558
Book / Page6995 / 83
Instrument DateJun 18, 2026
Instrument202684558
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512

Mortgage

Document Number0000084558,
DateJun 29, 2026
Book Page6995/83
Instrument202684558
Lender
NameHOME1ST LENDING, LLC.
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.51%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 24, 2025
Property Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Document Number0068520379
Book / Page6852 / 379
Map ReferenceMB 19 PG 189-191
Instrument DateSep 18, 2025
Instrument2025116962
Transaction TypeTransfer
Record UpdatedApr 2, 2026
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,605.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512

Transferred To (Grantee/Buyer)

NameVerified Name
Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512

Mortgage

Document Number0006852383
DateSep 24, 2025
Instrument6852/383
Lender
NameHOME1ST LENDING LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2055

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 3, 2018
Property Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Document Number0054111869
Book / Page005411 / 001869
Instrument DateSep 6, 2018
Instrument148481
Transaction TypeTransfer
Record UpdatedOct 22, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1511 ALLIGATOR ST ST CLOUD FL 347717512, ST CLOUD, FL 34771-7512

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 13, 2017
Property Address1511 ALLIGATOR ST, SAINT CLOUD, FL 34771-7512
Document Number0051012966
Book / Page005101 / 002966
Instrument DateFeb 9, 2017
Instrument24608
Transaction TypeTransfer
Record UpdatedMar 17, 2017
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount Recorded
Tax$2,135.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1511 ALLIGATOR ST ST CLOUD FL 347717512, ST CLOUD, FL 34771-7512

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,151.00 (+3.65%)$223,963 (+2.9%)$436,900 (-3.04%) Land $75,000 Building $361,900
2024$3,040.00 (+2.84%) Homeowner's exemption Widower's exemption$217,652 (+3%)$450,600 (+0.4%) Land $70,000 Building $380,600
2023$2,956.00 (+0.92%) Homeowner's exemption Widower's exemption$211,313 (+3%)$448,800 (+14.58%) Land $65,000 Building $383,800
2022$2,929.00 Homeowner's exemption Widower's exemption$205,159$391,700 Land $60,000 Building $331,700

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 148 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 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 RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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