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Overview

3 bd3 ba2,064 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1969
Lot60,113 sqft
Living area2,064 sqft
Price / sqft$383
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsSplit BedroomStone CountersThermostat

5870 Alligator Lake Shr W is a 1969-built home in Alligator Lakeshore, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,064 square feet of living space. Listed at $789,900 (about $383/sqft), 247 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Potential compound for FOUR homes! TWO LAKEFRONT LOTS, ONE HOME!... for now! SELLER ASSISTING WITH BUYER FINANCING, 2/1 BUYDOWN ON THE INTEREST RATE! Build a home and add a guest house on the vacant lot and add a home to the existing home lot. FISHERMAN'S PARADISE! Welcome to your piece of paradise on the shores of the Alligator chain of lakes. All you will say is Wow! to the natural Florida landscape as you drive into this community with majestic oak trees lining the streets leading up to the home. This home is a boater's dream come true located right on Alligator Lake. You can enjoy these waters directly from your own private covered boat dock with lift and be in open water in minutes! This home is well appointed with many luxuries and multiple indoor/outdoor areas. The home has had the floor plan renovated to an open floor plan and all windows have also been upgraded. There are three spacious bedrooms with a split plan for your privacy and two full bathrooms. As you enter the home, you will find the spacious foyer, the formal dining room to the right, then the open concept kitchen and family room. The kitchen is spacious and new with beautiful extended cabinets, stone countertops, SS appliances, and breakfast island. The large family room features a wood fireplace and views through the Florida room to the lake. The master bedroom is very spacious with a walk-in closet. The master bathroom has a shower-tub combo. The guest rooms have lots of space and large closets as well. The home also features a deep 2-car garage. Property is 1.38 acres. The whole lot has been split (home lot .78 acre, vacant lot .6 acre) and surveyed to accommodate another home, with the vacant lot having its own seawall and access to the boat dock. The home also features a brand-new water filtration system and a full hurricane shutter package as well. This home is only minutes from downtown St Cloud, dining, schools and hospitals. Orlando International Airport, Disney, Universal, Sea World and Atlantic Ocean Beaches are all within an hour away! Schedule your appointment to see your future home today!! Alligator Lake is a 3400-acre lake with direct canal access to 5 more lakes (Lizzie, Brick, Center, Trout, Coon) for a total of 5500 acres of pristine bass fishing in the Alligator chain of lakes!

The essentials

Built
1969
Price / sqft
$383
On market
247 days
Annual tax
$1,839
Flood zone
AE
Lot
60,113 sqft
Type
Single Family Residence

At a glance

Single family
Built 1969
Waterfront
Lake Privileges
2 car garage
Driveway
1.38 acres
Lot size
2,064 sqft
Living area

Payment

Est. monthly payment
$4,668/mo
Down payment (20%)
$157,980
Property taxes
$153/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1969
Lot
60,113 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Oversized, Parking Pad, Workshop in Garage
Waterfront
Lake Privileges
Days on Market
247
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Fire Pit
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Water Filtration System
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$1,839
Parcel #
10-26-31-0000-0180-0000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Alligator Lakeshore
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
60,113 sqft
ClearedIn CountyOversized LotPaved

Price history

Date
Event
Price
9/24/2026
Price change
Source: Stellar MLS #S5143297
$789,900-1.2%
$383/sqft
-
Price change
Source: Stellar MLS #S5143297
$799,750-13.5%
$387/sqft
2/6/2026
Listed for sale
Source: Stellar MLS #S5143297
$925,000
$448/sqft

Neighborhood

5870 Alligator Lake Shr W
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $789,900
$785,000 – $789,900
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 247 after a $135,100 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,668/mo
Principal & interest$4,120
Property taxes$153
Insurance$395
Down payment20% · $157,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$789,900

$383 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,064 sq ft

Time on market

247 days

Year built

1969

Monthly payment

About $4,668/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,839 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byMACERA REALTY GROUP INCListing agent: Peter MaceraListing data from Stellar MLS, MLS# S5143297.

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