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1540 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1540 Alligator St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,776 sqft · built 2014
Lot Size0.201 acres (8,756 sqft)
Owner2 Individual Names on File
Last Sale$318,000 (Jun 2017)
Tax Bill$4,659 (2025)
Deeds & MortgagesFeb 2023 Mortgage
Aug 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN153518

Property Details

APN / Parcel Number

Primary APN153518
Alternative APN
  • 312531084200012690

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,776 sqft Heated Area
Gross Area3,710 sqft
1st Floor Area2,776 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,756 sqft (0.201 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeFinished
Garage Area550 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area384 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number153518
Street Address1540 ALLIGATOR ST
CitySAINT CLOUD
StateFL
Zip34771-7539
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTURTLE CREEK PH 1B PB 19 PG 189-191 LOT 269
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1B
Legal Tract842
Legal Block1
Legal Lot Number269
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2059
Census Tract43600

Owner

Source: Osceola County records · APN 153518

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 Record2 Individual Names on File
Mailing Address1540 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 13, 2023Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Aug 16, 2018Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jun 29, 2017Warranty Deed, Transfer · FHA Mortgage
MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 29, 2017 · Amount on Record
Deed SaleJun 29, 2017 · Amount on Record
Prior SaleNov 20, 2014 · Amount on Record
Deed Document Number2017095083
Deed Book / Page5171 / 2710
Record UpdatedJun 08, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1540 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Transaction TypeMortgage
Record UpdatedMar 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1540 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539

Mortgage

Document Number0063571949
DateFeb 13, 2023
Book Page6357/1949
Instrument2023017546
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term345 Months
DueNov 01, 2051

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1540 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Document Number0054311700
Instrument DateAug 16, 2018
Transaction TypeMortgage
Record UpdatedDec 31, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1540 ALLIGATOR ST ST CLOUD FL 347717539, ST CLOUD, FL 34771-7539

Mortgage

Document Number0054311700
DateNov 09, 2018
Book Page005431/001700
Instrument166710
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 08, 2048

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 29, 2017
Property Address1540 ALLIGATOR ST, SAINT CLOUD, FL 34771-7539
Document Number0051712710
Book / Page005171 / 002710
Instrument DateJun 26, 2017
Instrument95083
Transaction TypeTransfer
Record UpdatedJul 24, 2017
Title CompanyQUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,226.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4933 PARKVIEW DR ST CLOUD FL 347717805, ST CLOUD, FL 34771-7805

Mortgage

Document Number51712712
DateJun 29, 2017
Book Page005171/002712
Instrument95084
Lender
NameMORTGAGE LENDERS/AMERICA
TypeMortgage Company
AddressOVERLAND PARK, KS 66211
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 28, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,659.00 (+6.06%) Homeowner's exemption$303,193 (+5.99%)$427,500 (-2.49%) Land $75,000 Building $352,500
2023$4,393.00 (+3.46%) Homeowner's exemption$286,067 (+3%)$438,400 (+14.43%) Land $65,000 Building $373,400
2022$4,246.00 Homeowner's exemption$277,735$383,100 Land $60,000 Building $323,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
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

Wildfire

Wildfire RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 200 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Lumen Technologies, Verizon, Xfinity.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
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 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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