Osceola County property record for 1559 Alligator St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,776 sqft · built 2015 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $351,500 (Feb 2020) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Feb 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-25-31-0840-0001-0050 |
| Primary APN | 31-25-31-0840-0001-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,776 sqft Living Area |
| Gross Area | 3,786 sqft |
| 1st Floor Area | 2,776 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| 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 |
| Porch | Finished/Open Porch |
| Porch Area | 460 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1559 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 1A PB 19 PG 22-25 LOT 5 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK PH 1A |
| Legal Phase | 1A |
| Legal Tract | 840 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0840-0001-0050
Assessment roll updated November 26, 2025 · Last verified June 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 | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Feb 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage I3 LNDG |
| Oct 23, 2019 | Grant Deed, Transfer OMEGA TITLE SERVICES, OMEGA TITLE AGCY |
| Jun 04, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2020 · Amount on Record |
| Deed Sale | Feb 19, 2020 · Amount on Record |
| Prior Sale | Oct 23, 2019 · Amount on Record |
| Deed Document Number | 202024727 |
| Deed Book / Page | 5677 / 129 |
| Prior Transfer Date | Aug 05, 2010 |
| Prior Transfer Doc | 0040180557 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2023 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Document Number | 0064581727 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 6458/1727 |
| Instrument | 2023107385 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 19, 2020 |
| Property Address | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Document Number | 0056770129 |
| Book / Page | 005677 / 000129 |
| Instrument Date | Feb 18, 2020 |
| Instrument | 24727 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2020 |
| Title Company | TITLE ONE FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,461.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1559 ALLIGATOR ST ST CLOUD FL 347717536, ST CLOUD, FL 34771-7536 |
| Document Number | 56770131 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 005677/000131 |
| Instrument | 24728 |
| Name | I3 LNDG |
|---|---|
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 23, 2019 |
| Property Address | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Document Number | 0056110260 |
| Book / Page | 005611 / 000260 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 137551 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2019 |
| Title Company | OMEGA TITLE SERVICES, OMEGA TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,757.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1407 AMARYLLIS CIR ORLANDO FL 328257430, ORLANDO, FL 32825-7430 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 04, 2019 |
| Property Address | 1559 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536 |
| Document Number | 0055350434 |
| Book / Page | 005535 / 000434 |
| Instrument Date | May 23, 2019 |
| Instrument | 71737 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $4.00 Homeowner's exemption Veteran's exemption | $434,264 (+5.99%) | $442,800 (-2.7%) Land $75,000 Building $367,800 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $409,734 (+3%) | $455,100 (+14.4%) Land $65,000 Building $390,100 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $397,800 Land $60,000 Building $337,800 | $397,800 Land $60,000 Building $337,800 |
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 A, 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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