Osceola County property record for 1541 Alligator St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,776 sqft · built 2016 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $321,691 (Aug 2016) |
| Tax Bill | $4,862 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-25-31-0842-0001-2320 |
| Primary APN | 31-25-31-0842-0001-2320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,776 sqft Living Area |
| Gross Area | 3,686 sqft |
| 1st Floor Area | 2,776 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,755 sqft (0.201 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 542 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 368 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1541 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 232 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1B |
| Legal Phase | 1B |
| Legal Tract | 842 |
| Legal Block | 2320 |
| Legal Lot Number | 232 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 43600 |
Source: Osceola County records, as of May 21, 2026
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 |
|---|---|
| Mailing Address | 1541 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2016 · Amount on Record |
| Deed Sale | Aug 17, 2016 · Amount on Record |
| Deed Document Number | 2016124558 |
| Deed Book / Page | 5009 / 1388 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1541 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1541 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Document Number | 0063822105 |
|---|---|
| Date | Apr 6, 2023 |
| Book Page | 6382/2105 |
| Instrument | 2023038878 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 2, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,862.00 (+3.58%) Homeowner's exemption Senior Citizen's exemption | $326,193 (+5.99%) | $428,200 (-2.62%) Land $75,000 Building $353,200 |
| 2024 | $4,694.00 (+2.6%) | ||
| 2023 | $4,575.00 (-1.08%) Homeowner's exemption Senior Citizen's exemption | $307,767 (+3%) | $439,700 (+14.33%) Land $65,000 Building $374,700 |
| 2022 | $4,625.00 Homeowner's exemption | $298,803 | $384,600 Land $60,000 Building $324,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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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