5575 ALLIGATOR LAKE ROAD, ST CLOUD, FL, 34772
Active1416 days on marketListed Sep 6, 2022MLS #S5073952
About this home
5575 ALLIGATOR LAKE ROAD
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!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
6,300
Sqft
2.32 ac
Lot size
2
Garage
1987
Year built
One
Levels
$294
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.
$11,645 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,645/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs St Cloud actives
$294 vs $221
Days on market
1416 vs 33 typical
Where $294/sqft sits among the 400 St Cloud actives
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
194 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 400% 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 5575 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 · Jun ’26$807,757
2845 WILD OLIVE DRIVE
4 bd · 3.5 ba · 4,228 sqft · $191/sqft · 0 DOM
Sold · Oct ’25$445,000
2949 WILD OLIVE DRIVE
4 bd · 3 ba · 2,631 sqft · $169/sqft · 226 DOM
Sold · Nov ’25$454,000
5148 SPRINGRISE DRIVE
4 bd · 3 ba · 2,631 sqft · $173/sqft · 92 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5575 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 5575 ALLIGATOR LAKE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5575 ALLIGATOR LAKE ROAD FAQs
What would the monthly payment be for 5575 ALLIGATOR LAKE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,645/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 5575 ALLIGATOR LAKE ROAD?+
The most recent tax bill on record (2025) was $9,700. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5575 ALLIGATOR LAKE ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $1,850,000, this home is listed about 335% 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 5575 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.
The brief
Four things that matter here
01Positioned at the premium end
$1,850,000 runs 400% above the ST CLOUD 34772 median — but at 6,300 sqft it's also nearly 3 times the size of the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
1416 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,950,000, now $1,850,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SOLOMON · Michael Solomon. MLS #S5073952.
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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