5381 ALLIGATOR LAKE ROAD, ST CLOUD, FL, 34772
Active21 days on marketListed Jun 29, 2026MLS #S5152575
About this home
5381 ALLIGATOR LAKE ROAD
LOCATION, LOCATION, LOCATION! Welcome to this lakeview property in Alligator Lake rd. situated on 0.66 acres lot by mature trees. This beautiful home has 3 bedroom and 2 bathrooms 1,980 sqft. This house offers kitchen, living room, bedroom 2 and 3 on the first floor, full bathroom with a tub/ shower combo. Well, was done 2024, Roof was done 2023, HVAC 2023, Driveway 2024, Water softener 2024, Hot water heater 2025, kitchen 2022, house painted and Gutter 2023. NO CDD OR HOA. Septic and well on this house. Master bedroom on the second floor with a full bathroom, private balcony / French doors. Seller offering 10k for closing cost. Boat ramp in 4 miles from the house. The bus stops for middle school, and high school is at the corner of the house
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,980
Sqft
0.66 ac
Lot size
1999
Year built
Two
Levels
$275
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,861 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,861/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+22.2%
$/sqft vs S L & I C
$275 vs $326
Days on market
21 vs 33 typical
Where $275/sqft sits among the 38 homes for sale in S L & I C
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
17 of 38
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5381 ALLIGATOR LAKE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$568,000
4145 RAMBLER AVENUE · same community
4 bd · 2.5 ba · 1,985 sqft · $286/sqft · 78 DOM
Sold · Dec ’25$660,000
2827 GODWIN ROAD · same community
3 bd · 3 ba · 1,986 sqft · $332/sqft · 20 DOM
Sold · Jan ’26$450,000
1801 EASTERN AVENUE · same community
3 bd · 2 ba · 2,027 sqft · $222/sqft · 5 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5381 ALLIGATOR LAKE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5381 ALLIGATOR LAKE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
5381 ALLIGATOR LAKE ROAD FAQs
What would the monthly payment be for 5381 ALLIGATOR LAKE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,861/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 5381 ALLIGATOR LAKE ROAD?+
The most recent tax bill on record (2025) was $3,020. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $545,000, this home is listed about 28% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5381 ALLIGATOR LAKE ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Deborah Moreno. MLS #S5152575.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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