Osceola County property record for 1518 Alligator St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,080 sqft · built 2017 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $554,000 (May 2025) |
| Tax Bill | $7,017 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 153531 |
| Primary APN | 153531 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,080 sqft Heated Area |
| Gross Area | 3,982 sqft |
| 1st Floor Area | 3,080 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Finished |
| Garage Area | 570 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153531 |
|---|---|
| Street Address | 1518 ALLIGATOR ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7538 |
| 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 282 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 1 |
| Legal Lot Number | 282 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 43600 |
Source: Osceola County records · APN 153531
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1518 ALLIGATOR ST, SAINT CLOUD, FL 34771-7538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 08, 2021 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 23, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 19, 2025 · Amount on Record |
| Deed Sale | May 19, 2025 · Amount on Record |
| Prior Sale | Dec 08, 2021 · Amount on Record |
| Deed Document Number | 2025063394 |
| Deed Book / Page | 6790 / 718 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 08, 2021 |
| Property Address | 1518 ALLIGATOR ST, SAINT CLOUD, FL 34771-7538 |
| Document Number | 0061031682 |
| Book / Page | 6103 / 1682 |
| Map Reference | MB 19 PG 189-191 |
| Instrument Date | Dec 08, 2021 |
| Instrument | 2021189565 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | NOT AVAILABLE, RTR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1518 ALLIGATOR ST, 1518, SAINT CLOUD, FL 34771-7538 |
| Name | Verified Name |
|---|---|
| Address | 1518 ALLIGATOR ST, SAINT CLOUD, FL 34771-7538 |
| Document Number | 0061031684 |
|---|---|
| Date | Dec 08, 2021 |
| Instrument | 6103/1684 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 23, 2017 |
| Property Address | 1518 ALLIGATOR ST, SAINT CLOUD, FL 34771-7538 |
| Document Number | 0051061701 |
| Book / Page | 5106 / 1701 |
| Map Reference | MB19 PG189-191 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 2017029184 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,360.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 1518 ALLIGATOR ST, SAINT CLOUD, FL 34771-7538 |
| Document Number | 0051061702 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 5106/1702 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,017.00 (+5.82%) Homeowner's exemption | $434,919 (+5.99%) | $455,900 (-0.13%) Land $75,000 Building $380,900 |
| 2023 | $6,631.00 (+3.29%) Homeowner's exemption | $410,352 (+3%) | $456,500 (+14.58%) Land $65,000 Building $391,500 |
| 2022 | $6,420.00 Homeowner's exemption | $398,400 Land $60,000 Building $338,400 | $398,400 Land $60,000 Building $338,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, Lumen Technologies.
Based on FCC filings for 181 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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