1565 Alligator St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1565 Alligator St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,916 sqft · built 2017
Lot Size	0.201 acres (8,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jun 2021)
Tax Bill	$4 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0840-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0020`
Alternative APNs	`253131084000010020` `143675`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,916 sqft Living Area
Gross Area	3,683 sqft
1st Floor Area	1,668 sqft
Upper Floors Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
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	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Finished/Open Porch
Porch Area	107 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1565 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 2
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	20
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2063
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	2 Individual Names on Record
Mailing Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Jun 22, 2021	Warranty Deed, Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 22, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	202197067
Deed Book / Page	5986 / 252
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0040180557
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536

Mortgage

Document Number	0062711656
Date	Aug 18, 2022
Book Page	6271/1656
Instrument	2022127249

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	467 Months
Due	Jul 1, 2061

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2021
Property Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Document Number	0059860252
Book / Page	5986 / 252
Map Reference	MB 19 PG 22-25
Instrument Date	Jun 17, 2021
Instrument	2021097067
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1565 ALLIGATOR ST, 1565, SAINT CLOUD, FL 34771-7536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7264 CEDAR BRUSH CT, COLORADO SPRINGS, CO 80908-1473
Investor	Possibly a Property Investor

Mortgage

Document Number	5986254
Date	Jun 22, 2021
Instrument	5986/254

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2017
Property Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536
Document Number	0052110792
Book / Page	5211 / 0792
Map Reference	MB19 PG22-25
Instrument Date	Sep 20, 2017
Instrument	2017134270
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1565 ALLIGATOR ST, SAINT CLOUD, FL 34771-7536

Mortgage

Document Number	0052110793
Date	Sep 22, 2017
Instrument	5211/0793

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$4.00 Homeowner's exemption Veteran's exemption	$446,636 (+12.89%)	$454,900 (+3.34%) Land $75,000 Building $379,900
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$395,623 (+3%)	$440,200 (+14.61%) Land $65,000 Building $375,200
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$384,100 Land $60,000 Building $324,100	$384,100 Land $60,000 Building $324,100

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 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	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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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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