6200 Alligator Lake Shore E, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6200 Alligator Lake Shore E, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,524 sqft · built 2018
Lot Size	0.619 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$916,000 (Jun 2025)
Tax Bill	$6,540 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Aug 2018 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`97239`

Property Details

APN / Parcel Number

Primary APN	`97239`
Alternative APN	`112631000000600000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,524 sqft Heated Area
Gross Area	3,595 sqft
1st Floor Area	2,094 sqft
Upper Floors Area	430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.619 acres)
Lot Dimensions	170 ft deep x 160 ft wide
Garage Type	Finished
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	576 sqft
Deck Area	220 sqft
Boat Access	Boat Access
Boat House	480 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97239
Street Address	6200 ALLIGATOR LAKE SHR E
City	SAINT CLOUD
State	FL
Zip	34771-7332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BEG AT SELY INTER OF HWY 192 & C/L OF CANAL 32-G, 165 FT ALONG SWLY R/W OF HWY 192, S 41 DEG W TO SHORE OF LAKE, NWLY ALONG
Legal Range	31E
Legal Township	26S
Legal Section	11
Legal Subdivision	EAST ALLIGATOR LAKE AREA
Legal Block	60
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1000
Census Tract	43802

Owner

6200 Alligator Lake Shore E is owned and occupied by an individual who bought it in June 2025.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	4870 SATELLITE AVE, SAINT CLOUD, FL 34773-9613
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
Oct 11, 2019	Deed of Trust, Mortgage FAIRWINDS CU
Aug 17, 2018	Loan Modification, Mortgage WATERSTONE MTG
Feb 2, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 23, 2025 · Amount on File
Deed Sale	Jun 23, 2025 · Amount on File
Prior Sale	Feb 2, 2018 · Amount on File
Deed Document Number	2025078645
Deed Book / Page	6808 / 1224
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6200 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0056081908
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6200 ALLIGATOR LAKE SHR E ST CLOUD FL 347717332, ST CLOUD, FL 34771-7332

Mortgage

Document Number	0056081908
Date	Oct 18, 2019
Book Page	005608/001908
Instrument	135407

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 17, 2034

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6200 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0053952691
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6200 ALLIGATOR LAKE SHR E ST CLOUD FL 347717332, ST CLOUD, FL 34771-7332

Mortgage

Document Number	0053952691
Date	Sep 5, 2018
Book Page	005395/002691
Instrument	133694

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2018
Property Address	6200 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0052790567
Book / Page	5279 / 0567
Instrument Date	Jan 29, 2018
Instrument	2018017654
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,736.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5150 HELEN CT, 5150, SAINT CLOUD, FL 34772-9367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9853 PALMETTO DUNES CT, ORLANDO, FL 32832-5911

Mortgage

Document Number	2018017655
Date	Feb 2, 2018
Instrument	2018017655

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6200 Alligator Lake Shore E was $6,540 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$6,540.00 Homeowner's exemption	$461,507	$500,900 Land $189,600 Building $311,300
2023	$5,993.00 (+3.7%) Homeowner's exemption	$424,790 (+3%)	$484,100 (+10.1%) Land $189,600 Building $294,500
2022	$5,779.00 Homeowner's exemption	$412,418	$439,700 Land $189,600 Building $250,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 6200 Alligator Lake Shore E in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 6200 Alligator Lake Shore E is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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	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 29 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
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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