6236 Alligator Lake Shore E, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6236 Alligator Lake Shore E, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,065 sqft · built 2017
Lot Size	0.255 acres (11,107 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Mar 2021)
Tax Bill	$8,361 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-31-2520-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`11-26-31-2520-0001-0020`
Alternative APNs	`263111252000010020` `97246`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,065 sqft Living Area
Gross Area	4,010 sqft
1st Floor Area	1,770 sqft
Upper Floors Area	1,295 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	L-Shape
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,107 sqft (0.255 acres)
Lot Dimensions	184 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	49 sqft
Porch	Finished/Open Porch
Porch Area	420 sqft
Patio Area	675 sqft
Boat House	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6236 ALLIGATOR LAKE SHR E
City	SAINT CLOUD
State	FL
Zip	34771-7332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	ALCORNS LAKEBREEZE SUB PB 2 PG 015 LOT 2 & BEG AT NELY COR LOT 1, NWLY ALONG LOT 1 12 FT, SELY TO SELY COR LOT 1, NELY ALONG LOT 1 TO POB
Legal Range	31E
Legal Township	26S
Legal Section	11
Legal Subdivision	ALCORNS LAKEBREEZE
Legal Tract	2520
Legal Block	20
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1000
Census Tract	43802

Owner

6236 Alligator Lake Shore E is owned and occupied by two individuals who bought it in March 2021.

Source: Osceola County records, as of October 12, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Dec 13, 2017	Loan Modification, Mortgage WATERSTONE MTG
Nov 17, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Nov 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on File
Deed Sale	Mar 19, 2021 · Amount on File
Prior Sale	Nov 17, 2017 · Amount on File
Deed Document Number	202141013
Deed Book / Page	5915 / 2705
Prior Transfer Date	Oct 30, 2017
Prior Transfer Doc	0052402471
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057322568
Date	Jun 5, 2020
Book Page	5732/2568
Instrument	2020072507

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2021
Property Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0059152705
Book / Page	5915 / 2705
Map Reference	MB 2 PG 15
Instrument Date	Mar 16, 2021
Instrument	2021041013
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3123 DARK SKY DR, 3123, HARMONY, FL 34773-6006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332

Mortgage

Document Number	0059152707
Date	Mar 19, 2021
Instrument	5915/2707

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0052700838
Book / Page	005270 / 000838
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6236 ALLIGATOR LAKE SHR E ST CLOUD FL 347717332, ST CLOUD, FL 34771-7332

Mortgage

Document Number	0052700838
Date	Jan 17, 2018
Book Page	005270/000838
Instrument	8797

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2017
Property Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0052402473
Book / Page	5240 / 2473
Map Reference	MB2 PG15
Instrument Date	Oct 31, 2017
Instrument	2017164372
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4509 PACKARD AVE S, 4509, SAINT CLOUD, FL 34772-8162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332

Mortgage

Document Number	0052402475
Date	Nov 17, 2017
Instrument	5240/2475

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2017
Property Address	6236 ALLIGATOR LAKE SHR E, SAINT CLOUD, FL 34771-7332
Document Number	0052402471
Book / Page	005240 / 002471
Instrument Date	Oct 30, 2017
Instrument	164371
Transaction Type	Transfer
Record Updated	Dec 12, 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
Relationship	Company
Address	4509 PACKARD AVE S ST CLOUD FL 347728162, ST CLOUD, FL 34772-8162

Tax Assessment & Valuation

The 2025 property tax bill for 6236 Alligator Lake Shore E was $8,361.

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	$8,361.00	$552,100 Land $66,400 Building $485,700	$552,100 Land $66,400 Building $485,700
2023	$7,864.00 (+13.05%)	$529,500 (+15.99%) Land $66,400 Building $463,100	$529,500 (+15.99%) Land $66,400 Building $463,100
2022	$6,956.00	$456,500 Land $66,400 Building $390,100	$456,500 Land $66,400 Building $390,100

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

Flood

FEMA maps place 6236 Alligator Lake Shore E in Zone X, an area of minimal 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 minimal risk
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 6236 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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