1538 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1538 Alligator St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,358 sqft · built 2016
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2020)
Tax Bill	$4,816 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153519`

Property Details

APN / Parcel Number

Primary APN	`153519`
Alternative APN	`312531084200012700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,358 sqft Heated Area
Gross Area	3,122 sqft
1st Floor Area	2,358 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	165 sqft
Patio Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153519
Street Address	1538 ALLIGATOR ST
City	SAINT CLOUD
State	FL
Zip	34771-7539
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 270
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	270
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2059
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	1538 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 2, 2020	Grant Deed, Transfer · FHA Mortgage GATEWAY MTG GRP
Sep 4, 2018	Warranty Deed, Transfer SEMINOLE TRIBE OF FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Jun 28, 2016 · Amount on Record
Deed Document Number	0005843663
Deed Book / Page	5395 / 0146
Prior Transfer Date	Sep 4, 2018
Prior Transfer Doc	2018132956
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1538 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1538 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539

Mortgage

Document Number	0068452206
Date	Sep 5, 2025
Book Page	6845/2206
Instrument	2025111096

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Dec 1, 2050

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2020
Property Address	1538 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Document Number	0058430663
Book / Page	005843 / 000663
Instrument Date	Nov 24, 2020
Instrument	163590
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1538 ALLIGATOR ST ST CLOUD FL 347717539, ST CLOUD, FL 34771-7539

Mortgage

Document Number	58430665
Date	Dec 2, 2020
Book Page	005843/000665
Instrument	163591

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2018
Property Address	1538 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Document Number	0053950146
Book / Page	005395 / 000146
Instrument Date	Aug 30, 2018
Instrument	132956
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	SUBURBAN TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1538 ALLIGATOR ST ST CLOUD FL 347717539, ST CLOUD, FL 34771-7539

Mortgage

Document Number	53950148
Date	Sep 4, 2018
Book Page	005395/000148
Instrument	132958

Lender

Name	SEMINOLE TRIBE OF FLORIDA
Address	6300 STIRLING RD, HOLLYWOOD, FL 33024-2153

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,816.00 (+6.03%) Homeowner's exemption	$311,962 (+5.99%)	$391,300 (+0.2%) Land $75,000 Building $316,300
2023	$4,542.00 (+3.46%) Homeowner's exemption	$294,341 (+3%)	$390,500 (+14.21%) Land $65,000 Building $325,500
2022	$4,390.00 Homeowner's exemption	$285,768	$341,900 Land $60,000 Building $281,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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