3502 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3502 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2012
Lot Size	0.178 acres (7,753 sqft)
Owner	Individual Name on Record
Last Sale	$190,739 (Jul 2012)
Tax Bill	$3,877 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-3060`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-3060`
Alternative APNs	`263034007800013060` `156368`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,566 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,048 sqft
Upper Floors Area	1,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,753 sqft (0.178 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3502 RHAPSODY ST
City	SAINT CLOUD
State	FL
Zip	34772-8256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 306
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	3060
Legal Lot Number	306
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP
Jul 6, 2018	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Feb 22, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2012 · Amount on Record
Deed Sale	Jul 30, 2012 · Amount on Record
Deed Document Number	2012111574
Deed Book / Page	4302 / 845
Last Transfer Date	Oct 28, 2024
Transfer Doc	0066892346
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0062621759
Date	Aug 3, 2022
Book Page	6262/1759
Instrument	2022118779

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 2, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RESEARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0058062449
Date	Oct 6, 2020
Book Page	5806/2449
Instrument	2020133587

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053621876
Date	Jul 6, 2018
Book Page	5362/1876
Instrument	2018103440

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3502 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0051091730
Book / Page	005109 / 001730
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3502 RHAPSODY ST ST CLOUD FL 347728256, ST CLOUD, FL 34772-8256

Mortgage

Document Number	0051091730
Date	Mar 1, 2017
Book Page	005109/001730
Instrument	32520

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,877.00 (+3.5%)	$259,493 (+5.99%)	$403,800 (-0.96%) Land $75,000 Building $328,800
2024	$3,746.00 (+2.63%)
2023	$3,650.00 (+3.58%) Homeowner's exemption	$244,835 (+3%)	$407,700 (+16.35%) Land $60,000 Building $347,700
2022	$3,524.00 Homeowner's exemption	$237,704	$350,400 Land $55,000 Building $295,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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