1550 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1550 Alligator St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,973 sqft · built 2007
Lot Size	0.255 acres (11,107 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (Dec 2009)
Tax Bill	$3,215 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0840-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0100`
Alternative APNs	`253131084000010100` `143683`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,973 sqft Living Area
Gross Area	3,893 sqft
1st Floor Area	1,671 sqft
Upper Floors Area	1,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,107 sqft (0.255 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	458 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1550 ALLIGATOR ST
City	SAINT CLOUD
State	FL
Zip	34771-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 10
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	100
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2062
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	1550 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 11, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2009 · Amount on Record
Deed Sale	Dec 15, 2009 · Amount on Record
Deed Document Number	2009198891
Deed Book / Page	3927 / 1386
Last Transfer Date	Mar 16, 2012
Transfer Doc	0042721400
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1550 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	HOMELAND TITLE SOURCE LLC, HOMELAND TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540

Mortgage

Document Number	0058802909
Date	Feb 1, 2021
Book Page	5880/2909
Instrument	2021013738

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1550 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056572584
Date	Jan 14, 2020
Book Page	5657/2584
Instrument	2020007023

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2019
Property Address	1550 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540
Document Number	0056040799
Book / Page	005604 / 000799
Instrument Date	Oct 11, 2019
Instrument	131421
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 ALLIGATOR ST ST CLOUD FL 347717540, ST CLOUD, FL 34771-7540

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,215.00 (+3.54%) Homeowner's exemption	$222,538 (+5.99%)	$419,100 (-2.56%) Land $75,000 Building $344,100
2024	$3,105.00 (+2.75%)
2023	$3,022.00 (+3.71%) Homeowner's exemption	$209,968 (+3%)	$430,100 (+14.24%) Land $65,000 Building $365,100
2022	$2,914.00 Homeowner's exemption	$203,853	$376,500 Land $60,000 Building $316,500

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
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	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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