3506 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3506 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2011
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Jul 2020)
Tax Bill	$4,734 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`156366`

Property Details

APN / Parcel Number

Primary APN	`156366`
Alternative APN	`342630007800013040`

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 2011
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156366
Street Address	3506 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 304
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	304
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 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
Mailing Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Mar 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU
May 22, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	2020098939
Deed Book / Page	5764 / 41
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	SOUTHERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0061160635
Date	Dec 27, 2021
Book Page	6116/635
Instrument	2021199426

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

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

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0067480425
Date	Mar 4, 2025
Book Page	6748/425
Instrument	2025026625

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 22, 2040

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2020
Property Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0057640041
Book / Page	5764 / 41
Map Reference	MB 20 PG 79-85
Instrument Date	Jul 28, 2020
Instrument	2020098939
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	0000576443
Date	Jul 29, 2020
Instrument	5764/43

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2020
Property Address	3506 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0057261473
Book / Page	005726 / 001473
Instrument Date	May 18, 2020
Instrument	67493
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,716.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

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	$4,734.00 (+6.05%) Homeowner's exemption	$307,412 (+5.99%)	$327,200 (+0.21%) Land $75,000 Building $252,200
2023	$4,464.00 (+3.45%) Homeowner's exemption	$290,048 (+3%)	$326,500 (+15.94%) Land $60,000 Building $266,500
2022	$4,315.00 Homeowner's exemption	$281,600 Land $55,000 Building $226,600	$281,600 Land $55,000 Building $226,600

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 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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