5868 ALLIGATOR LAKE SHORE W, ST CLOUD, FL, 34771
Active168 days on marketListed Feb 23, 2026MLS #O6383635
About this home
5868 ALLIGATOR LAKE SHORE W
Fabulous Alligator Lake Property The property has a 2 bedroom 2 bath 1125 sq. ft. home with ceramic tile throughout, crown molding, a screened porch, and a carport with laundry facility and full bath. The home has a metal roof . The utilities are septic and well, water softener. Exterior features include a gazebo, carport, outdoor shower, and laundry hook up. The second single family home was built in 2023 on this .84 acre parcel. The second home has 1 bedroom and1.1 baths, Great room, full kitchen and dinette, a 365 sq ft garage and 12 x 13 screened porch. The bedroom has a 13 x 5 walk in closet, the full bath has a walk in shower with bench and shampoo niche. Other features include 9 foot ceiling, 8 foot doors, linen closet in the 1/2 bath, storage closet in the laundry room, and a walk in storage closet in the hall. Water is available at the rear of the home and also down by the lake in the gazebo. The Alligator Chain of Lakes is an 8,352-acre, 12-lake chain of lakes system. Out of the 12 lake system, 6 of the lakes are connected by navigable waterways, and 6 lakes in the chain require a re-launch. The Alligator Chain’s lake farthest north is Lake Center and Brick Lake is the southern most lake on the Alligator Chain.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,055
Sqft
0.84 ac
Lot size
1
Garage
1960
Year built
One
Levels
$291
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.
$4,108 /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
$4,108/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 N/A
$291 vs $288
Days on market
168 vs 43 typical
Where $291/sqft sits among the 237 homes for sale in N/A
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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
109 of 237
N/A have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5868 ALLIGATOR LAKE SHORE W
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$384,900
1489 COUNTY ROAD 228 · same community
3 bd · 2 ba · 2,097 sqft · $184/sqft · 137 DOM
Sold · Dec ’25$375,000
12112 CR 727 · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM
Sold · Dec ’25$485,000
29655 SE 152ND (RAVENSWOOD) PLACE · same community
3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5868 ALLIGATOR LAKE SHORE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5868 ALLIGATOR LAKE SHORE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5868 ALLIGATOR LAKE SHORE W FAQs
What would the monthly payment be for 5868 ALLIGATOR LAKE SHORE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,108/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 5868 ALLIGATOR LAKE SHORE W?+
The most recent tax bill on record (2025) was $5,893. 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 5868 ALLIGATOR LAKE SHORE W?+
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 $599,000, this home is listed about 39% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5868 ALLIGATOR LAKE SHORE W?+
Lakeview Elementary School (elementary), Narcoossee 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
$599,000 runs 41% above the ST CLOUD 34771 median.
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
168 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $675,000, now $599,000 — a $76K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Marie A Collins PA. MLS #O6383635.
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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