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About this home
5381 Alligator Lake Rd is a 1999-built home in S L & I C, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,980 square feet of living space. Listed at $545,000 (about $275/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
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
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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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
$545,000
$275 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,980 sq ft
Time on market
108 days
Year built
1999
Monthly payment
About $3,366/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,020 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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