Osceola County property record for 1556 Alligator St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,776 sqft · built 2017 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jun 2019) |
| Tax Bill | $5,030 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-25-31-0840-0001-0120 |
| Primary APN | 31-25-31-0840-0001-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,776 sqft Living Area |
| Gross Area | 3,710 sqft |
| 1st Floor Area | 2,776 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| 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 | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 42 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 384 sqft |
| Deck Area | 1,306 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1556 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 12 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1A |
| Legal Phase | 1A |
| Legal Tract | 840 |
| Legal Block | 120 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0840-0001-0120
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 5172 THOMPKINS DR, SAINT CLOUD, FL 34771-7877 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP |
| Jun 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Feb 24, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 2019 · Amount on Record |
| Deed Sale | Jun 18, 2019 · Amount on Record |
| Prior Sale | Feb 24, 2017 · Amount on Record |
| Deed Document Number | 201978144 |
| Deed Book / Page | 5542 / 2327 |
| Prior Transfer Date | Aug 05, 2010 |
| Prior Transfer Doc | 0040180557 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1556 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1556 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540 |
| Document Number | 0059250105 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 5925/105 |
| Instrument | 2021048405 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 18, 2019 |
| Property Address | 1556 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540 |
| Document Number | 0055422327 |
| Book / Page | 5542 / 2327 |
| Map Reference | MB 19 PG 22-25 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 2019078144 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7139 OAK GLEN TRL, 7139, SAINT CLOUD, FL 34773-6011 |
| Name | Verified Name |
|---|---|
| Address | 1498 CATERPILLAR ST, SAINT CLOUD, FL 34771-7525 |
| Document Number | 0055422329 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 5542/2329 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 24, 2017 |
| Property Address | 1556 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540 |
| Document Number | 0051070889 |
| Book / Page | 5107 / 0889 |
| Map Reference | MB19 PG22-25 |
| Instrument Date | Feb 23, 2017 |
| Instrument | 2017029852 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,202.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 1556 ALLIGATOR ST, SAINT CLOUD, FL 34771-7540 |
| Document Number | 0051070890 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 5107/0890 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,030.00 (+3.5%) Homeowner's exemption Veteran's exemption | $328,903 (+5.99%) | $477,800 (-1.69%) Land $75,000 Building $402,800 |
| 2024 | $4,860.00 (+2.55%) | ||
| 2023 | $4,739.00 (+24.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $310,325 (+20.2%) | $486,000 (+25.94%) Land $65,000 Building $421,000 |
| 2022 | $3,803.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $258,180 | $385,900 Land $60,000 Building $325,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Lumen Technologies, Verizon, Xfinity.
Based on FCC filings for 200 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 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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