$1,850,000

5575 Alligator Lake Road

St Cloud, FL 34772

Listing updated: March 24, 2026 at 4:26 PM ET

Active

Beds

Baths

6,300

Sq Ft

2.32

Acres

1987

Built

◆Waterfront◆Water access◆Private pool◆Fireplace◆2.32 acres◆$294/sqft

Single Family Residence

Property type

1987

Year built

139,828 sqft

Lot size

$294

Price / sq ft

No HOA

HOA dues

1295

Days on market

Garage spaces

Flood zone

About this home

Bring your horses, cars, RV, boat, and jet skis! This outstanding waterfront custom property offers a private dock and 400' of frontage on Alligator Lake in desired Saint Cloud! The main house features 4 bdrms., 3.5 baths, and an attached 2 car garage. You will have plenty of room to roam on the main house plus hickory cabinets, travertine flooring, bonus room, and more. If you are a car enthusiast you will have plenty of room on the detached 6 car garage plus a 1 bdrm, 1 bath guest house with lakefront view as well. Entertain friends and family in the screened pool area with over 900 sq. ft. of space and summer kitchen. You will love the majestic oaks and extensive landscaping along with the soothing waterfalls and Koi Pond. Enjoy boating and water skiing on Alligator Lake, life is good!

Local Insight

At $294/sqft for a waterfront home on 2.32 acres with direct water access and a private pool, you're paying a fair price for the land and amenities, but the 1987 build means you should budget for mechanical updates and get a thorough inspection—especially given the AE flood zone designation, which will require flood insurance and may impact resale. St. Cloud's genuine revitalization momentum (NeoCity, Lake Nona spillover, Sunbridge development) suggests solid long-term appreciation potential, though you're betting on the city's growth story rather than buying into an already-established premium market. The lack of HOA and rural-feeling 2.32 acres are genuine draws if you want privacy and land, but verify water-access quality, septic/well systems, and how flood zone requirements affect your insurance and financing costs.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$9,355

Property taxes$808

Home insurance (est.)$848

Down payment

20%

$370,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1295 days on market

Status: Active
Sep 6, 2022
Listed$1,950,000
Sep 6, 2022
Price reduced$1,850,000

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Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 1295
Subdivision: Seminole Land And Inv Co
County: Osceola
Year built: 1987
Living area: 6,300 sq ft
Price/sq ft: $294
Building area: 9,048 sq ft (Public Records)
Lot size: 139,828 sq ft
Lot category: 2 to less than 5
Flood zone: AE
Garage: 2 spaces
Pool: Private pool
Annual taxes: $9,700 (2025)
Parcel #: 21-26-31-4950-0001-0460
Zoning: OAE1
MLS #: S5073952

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Interior Details

Bedrooms: 4
Full bathrooms: 3
Half bathrooms: 1
Flooring: Carpet, Ceramic Tile
Appliances: Dishwasher, Microwave, Range, Refrigerator
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Window Treatments
Laundry: Inside
Stories / Levels: One
Direction faces: East
Fireplace: Yes

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Driveway, Garage Door Opener, Oversized

HOA & Financial

Total monthly fees: $0/mo
Total annual fees: $0
CDD: No
Listing terms: Cash, Conventional
Ownership: Fee Simple
Available for lease: No

Exterior & Construction

Construction materials: Frame
Roof: Shingle
Foundation: Slab
Pool: Private pool
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Paved

Utilities

Sewer: Private Sewer, Septic Tank
Water source: Canal/Lake For Irrigation, Private, Well
Utilities: Public

Community

Pets allowed: Yes

Room Details

Room	Level	Dimensions
Bonus Room	First	30x30
Den	First	10x15
Bedroom 3	First	20x15
Bedroom 2	First	20x15
Primary Bedroom	First	30x20
Family Room	First	20x20
Kitchen	First	15x10
Dining Room	First	20x15
Living Room	First	20x30

Listing Details

Listing date: 2022-09-06
On market date: 2022-09-06
Original list price: $1,950,000
Occupant type: Owner
MLS area: 34772 - St Cloud (Narcoossee Road)
Listing AOR: Osceola
Status changed: 2022-09-06
Tax legal description: S L & I C PB B PG 50 A PORTION OF LOTS 45 & 46: COM AT NE COR OF LOT 45, N89-49-31E 30 FT TO POB; CONT N89-49-31E 403.75 FT TO PT ON APPROX WATER LINE OF ALLIGATOR LAKE, ALONG WATER LINE S46-40-56W 26.76 FT, S38-56-37W 53.28 FT, S30-48-29W 125.95 FT, S72-37-02W 33.74 FT, S41-42-31W 87.58 FT, S58-48-01W 94.04 FT TO PT ON A LINE LYING 33 FT N OF S/L OF LOT 46, S89-44-49W 144.22 FT TO PT ON E/L OF LOT 45, N00-13-47W 2 FT TO PT ON N R/W LINE OF ALLIGATOR LAKE RD (SR 534A), S89-44-49W ALONG R/W 184.8 5 FT TO PT ON E/L OF A 30 FT ESMT PER 429/404, N00-15-57W 147.39 FT, N57-52-09E 253.19 FT, N00-13-47W 8.32 FT TO POB

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From 192 E turn R onto Hickory Tree Rd, turn L on Alligator Lake to property

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of March 24, 2026 at 4:26 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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