3504 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3504 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2012
Lot Size	0.178 acres (7,753 sqft)
Owner	2 Individual Names on Record
Last Sale	$10,000 (Aug 2017)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-3050`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-3050`
Alternative APNs	`263034007800013050` `156367`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,753 sqft (0.178 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3504 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 305
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	3050
Legal Lot Number	305
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	2 Individual Names on Record
Mailing Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHWEST AIRLINES FCU
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 17, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 25, 2017	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2017 · Amount on Record
Deed Sale	Aug 25, 2017 · Amount on Record
Prior Sale	Aug 20, 2012 · Amount on Record
Deed Document Number	2017123245
Deed Book / Page	5199 / 2918
Prior Transfer Date	Aug 15, 2017
Prior Transfer Doc	0051992918
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0064631859
Date	Aug 24, 2023
Book Page	6463/1859
Instrument	2023111836

Lender

Name	SOUTHWEST AIRLINES FCU
Type	Credit Union
Address	DALLAS, TX 75235

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0061071460
Date	Dec 14, 2021
Book Page	6107/1460
Instrument	2021192580

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0060450672
Date	Sep 17, 2021
Book Page	6045/672
Instrument	2021144219

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Sep 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2017
Property Address	3504 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0051992918
Book / Page	005199 / 002918
Instrument Date	Aug 15, 2017
Instrument	123245
Transaction Type	Transfer
Record Updated	Oct 4, 2017
Title Company	CLOSING USA LLC

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3504 RHAPSODY ST ST CLOUD FL 347728256, ST CLOUD, FL 34772-8256

Mortgage

Document Number	51992922
Date	Aug 25, 2017
Book Page	005199/002922
Instrument	123246

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	Aug 24, 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	$2,548.00 (+3.66%) Homeowner's exemption	$185,245 (+5.99%)	$328,900 (+0.09%) Land $75,000 Building $253,900
2024	$2,458.00 (+2.93%)
2023	$2,388.00 (+3.92%) Homeowner's exemption	$174,782 (+3%)	$328,600 (+15.87%) Land $60,000 Building $268,600
2022	$2,298.00 Homeowner's exemption	$169,692	$283,600 Land $55,000 Building $228,600

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 100 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.

Nearby Properties on Rhapsody St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures