3505 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3505 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2010
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Oct 2025)
Tax Bill	$5,416 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`156352`

Property Details

APN / Parcel Number

Primary APN	`156352`
Alternative APN	`342630007800012900`

Interior

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

Exterior

Year Built	Built 2010
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.178 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	50 sqft
Porch	Open Porch
Porch Area	190 sqft
Deck Area	640 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156352
Street Address	3505 RHAPSODY ST
City	SAINT CLOUD
State	FL
Zip	34772-8258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 290
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	290
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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
Co-owner	Co-owner on Record
Mailing Address	400 W WEKIVA TRL, LONGWOOD, FL 32779-4536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Aug 24, 2021 · Amount on Record
Deed Document Number	2025134122
Deed Book / Page	6872 / 1683
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2025
Property Address	3505 RHAPSODY ST, SAINT CLOUD, FL 34772-8258
Document Number	0068721683
Book / Page	6872 / 1683
Map Reference	MB 20 PG 79
Instrument Date	Oct 24, 2025
Instrument	2025134122
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PREMIER TITLE/CTRL FL, PREMIER TITLE OF CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3505 RHAPSODY ST, SAINT CLOUD, FL 34772-8258

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	400 W WEKIVA TRL, LONGWOOD, FL 32779-4536

Mortgage

Document Number	0068721685
Date	Oct 29, 2025
Instrument	6872/1685

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 24, 2021
Property Address	3505 RHAPSODY ST, SAINT CLOUD, FL 34772-8258
Document Number	0060290692
Book / Page	6029 / 692
Map Reference	MB 20 PG 79-85
Instrument Date	Aug 13, 2021
Instrument	2021131519
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	PREMIER TITLE/CTRL FL, PREMIER TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	CALLE VALASTO #22, CAYEY XX 736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 RHAPSODY ST, SAINT CLOUD, FL 34772-8258

Mortgage

Document Number	6029694
Date	Aug 24, 2021
Instrument	6029/694

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,416.00 (+2.65%) Homeowner's exemption	$345,500 (+2.25%) Land $75,000 Building $270,500	$345,500 (+2.25%) Land $75,000 Building $270,500
2024	$5,276.00 (-2.75%) Homeowner's exemption	$337,900 (-1.6%) Land $70,000 Building $267,900	$337,900 (-1.6%) Land $70,000 Building $267,900
2023	$5,425.00 (+8.57%) Homeowner's exemption	$343,400 (+23.93%) Land $60,000 Building $283,400	$343,400 (+23.93%) Land $60,000 Building $283,400
2022	$4,997.00	$277,100 Land $55,000 Building $222,100	$277,100 Land $55,000 Building $222,100

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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