1539 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1539 Alligator St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,080 sqft · built 2016
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,952 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`153482`

Property Details

APN / Parcel Number

Primary APN	`153482`
Alternative APN	`312531084200012330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,080 sqft Heated Area
Gross Area	3,982 sqft
1st Floor Area	3,080 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	570 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	36 sqft
Porch	Open Porch
Porch Area	332 sqft
Deck Area	1,128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153482
Street Address	1539 ALLIGATOR ST
City	SAINT CLOUD
State	FL
Zip	34771-7536
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 233
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	233
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2063
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	1539 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERNET BANK OF INDIANA
Apr 19, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022
Deed Sale	Aug 15, 2022
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	2022065671
Deed Book / Page	6201 / 1110
Prior Transfer Date	Apr 26, 2022
Prior Transfer Doc	2022065671
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2022
Property Address	1539 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Document Number	0062011110
Book / Page	6201 / 1110
Map Reference	MB 19 PG 189-191
Instrument Date	Apr 25, 2022
Instrument	2022065671
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15614 SW STATE ROAD 45, 15614, ARCHER, FL 32618-4754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1539 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536

Mortgage

Document Number	0062011112
Date	Apr 26, 2022
Instrument	6201/1112

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 19, 2017
Property Address	1539 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Document Number	0051342382
Book / Page	5134 / 2382
Map Reference	MB19 PG189-191
Instrument Date	Apr 18, 2017
Instrument	2017058271
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1539 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536

Mortgage

Document Number	0051342383
Date	Apr 19, 2017
Instrument	5134/2383

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

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

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	$7,952.00 (+0.32%) Homeowner's exemption	$487,200 (+1.01%) Land $75,000 Building $412,200	$487,200 (-0.12%) Land $75,000 Building $412,200
2023	$7,927.00 (+61.05%) Homeowner's exemption	$482,313 (+52.97%)	$487,800 (+13.44%) Land $65,000 Building $422,800
2022	$4,922.00 Homeowner's exemption	$315,298	$430,000 Land $60,000 Building $370,000

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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