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3510 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3510 Rhapsody St, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,859 sqft · built 2010
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$426,000 (Feb 2022)
Tax Bill$5,373 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Sep 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN156364

Property Details

APN / Parcel Number

Primary APN156364
Alternative APN
  • 342630007800013020

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,859 sqft Heated Area
Gross Area2,487 sqft Gross Area
1st Floor Area1,859 sqft 1st Floor
Stories1 Story
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished
Garage Area438 sqft Garage

Exterior Amenities

Pool Area312 sqft Pool
FenceFence
Deck Area300 sqft Deck
PorchOpen Porch
Porch Area190 sqft Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number156364
Street Address3510 RHAPSODY ST
CitySAINT CLOUD
StateFL
Zip34772-8256
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionESPRIT PHASE 2 PB 20 PG 79-85 LOT 302
Legal Range30E
Legal Township26S
Legal Section34
Legal SubdivisionESPRIT
Legal Phase2
Legal Tract78
Legal Block1
Legal Lot Number302
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2016
Census Tract43207

Owner

Source: Osceola County records · APN 156364

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 18, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 08, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Nov 09, 2020Warranty Deed, Transfer · FHA Mortgage
TJC MORTGAGE INC
Oct 30, 2017Deed of Trust, Mortgage · FHA Mortgage
RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 18, 2022 · Amount on Record
Deed SaleFeb 18, 2022 · Amount on Record
Prior SaleNov 09, 2020 · Amount on Record
Deed Document Number2022027425
Deed Book / Page6154 / 51
Record UpdatedJun 08, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 18, 2022
Property Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number0061540051
Book / Page6154 / 51
Map ReferenceMB 20 PG 79-85
Instrument DateFeb 17, 2022
Instrument2022027425
Transaction TypeTransfer
Record UpdatedMar 07, 2022
Title CompanyCLEAR OCEAN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,982.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4700 SPARROW DR, 4700, SAINT CLOUD, FL 34772-8339

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number0000615453
DateFeb 18, 2022
Instrument6154/53
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction TypeMortgage
Record UpdatedSep 24, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number0060381862
DateSep 08, 2021
Book Page6038/1862
Instrument2021138955
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term351 Months
DueDec 01, 2050

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 09, 2020
Property Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number0058290667
Book / Page5829 / 667
Map ReferenceMB 20 PG 79-85
Instrument DateNov 04, 2020
Instrument2020152852
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyWATSON TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,023.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2519 YELLOW BRICK RD, 2519, SAINT CLOUD, FL 34772-7869

Transferred To (Grantee/Buyer)

NameVerified Name
Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number0005829669
DateNov 09, 2020
Instrument5829/669
Lender
NameTJC MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3510 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number0052351759
Book / Page005235 / 001759
Instrument DateOct 30, 2017
Transaction TypeMortgage
Record UpdatedNov 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address3510 RHAPSODY ST ST CLOUD FL 347728256, ST CLOUD, FL 34772-8256

Mortgage

Document Number0052351759
DateNov 06, 2017
Book Page005235/001759
Instrument158858
Lender
NameRELIANCE FIRST CAP
TypeFunding / Finance Company
AddressMELVILLE, NY 11747
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueNov 05, 2042

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,373.00 (-0.09%) Homeowner's exemption$343,100 (+0.67%) Land $75,000 Building $268,100$343,100 (+0.67%) Land $75,000 Building $268,100
2023$5,378.00 (+57.81%) Homeowner's exemption$340,800 (+47.38%) Land $60,000 Building $280,800$340,800 (+14.82%) Land $60,000 Building $280,800
2022$3,408.00 Homeowner's exemption$231,235$296,800 Land $55,000 Building $241,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 355 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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