5404 Alligator Lake Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5404 Alligator Lake Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,541 sqft · built 1979
Lot Size	0.792 acres (34,499 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jun 2017)
Tax Bill	$4,092 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`21-26-31-4950-0001-0547`

Property Details

APN / Parcel Number

Primary APN	`21-26-31-4950-0001-0547`
Alternative APNs	`263121495000010547` `98072`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,541 sqft Living Area
Gross Area	2,235 sqft
1st Floor Area	1,541 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,499 sqft (0.792 acres)
Lot Dimensions	325 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	190 sqft
Deck Area	144 sqft
Gazebo	352 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5404 ALLIGATOR LAKE RD
City	SAINT CLOUD
State	FL
Zip	34772-9343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	S L & I C PB B PG 50 W 100 FT OF E 560 FT OF LOTS 54 & 59 LYING S OF SR 534A
Legal Range	31E
Legal Township	26S
Legal Section	21
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	547
Legal Lot Number	547
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43301

Owner

5404 Alligator Lake Rd is owned and occupied by two individuals who bought it in June 2017.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Prior Sale	Jan 1, 2016 · Amount on File
Deed Document Number	201796210
Deed Book / Page	5172 / 2487
Prior Transfer Date	Jun 23, 2017
Prior Transfer Doc	0051722485
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PARADISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Investor	Possibly a Property Investor

Mortgage

Document Number	0058890921
Date	Feb 11, 2021
Book Page	5889/921
Instrument	2021019937

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056220138
Date	Nov 12, 2019
Book Page	5622/0138
Instrument	2019146906

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2017
Property Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Document Number	0051722487
Book / Page	5172 / 2487
Map Reference	MB B PG50
Instrument Date	Jun 23, 2017
Instrument	2017096210
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1894 S PATRICK DR, 1894, INDIAN HARBOUR BEACH, FL 32937-4324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1861 LORRAINE WAY, SAINT CLOUD, FL 34769-5556

Mortgage

Document Number	0051722489
Date	Jun 30, 2017
Instrument	5172/2489

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2017
Property Address	5404 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9343
Document Number	0051722485
Book / Page	005172 / 002485
Instrument Date	Jun 23, 2017
Instrument	96209
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1894 S PATRICK DR INDIAN HARBOUR BEACH FL 329374324, INDIAN HARBOUR BEACH, FL 32937-4324

Tax Assessment & Valuation

The 2025 property tax bill for 5404 Alligator Lake Rd was $4,092 with a homeowner's exemption, up 5.1% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,092.00 (+5.06%) Homeowner's exemption	$284,828	$343,100 Land $150,000 Building $193,100
2024	$3,895.00 (+2.15%)
2023	$3,813.00 (+4.15%) Homeowner's exemption	$268,739 (+3%)	$327,700 (+7.13%) Land $142,000 Building $185,700
2022	$3,661.00 Homeowner's exemption	$260,912	$305,900 Land $142,000 Building $163,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5404 Alligator Lake Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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

Wildfire risk around 5404 Alligator Lake Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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