3511 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3511 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	0.223 acres (9,757 sqft)
Owner	Individual Name on Record
Last Sale	$141,471 (Jan 2011)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`156354`

Property Details

APN / Parcel Number

Primary APN	`156354`
Alternative APN	`342630007800012920`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,367 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	9,757 sqft (0.223 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156354
Street Address	3511 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 292
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	292
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
Mailing Address	3511 RHAPSODY ST, SAINT CLOUD, FL 34772-8258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 9, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2011 · Amount on Record
Deed Sale	Jan 5, 2011 · Amount on Record
Deed Document Number	2011002035
Deed Book / Page	4080 / 1448
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 RHAPSODY ST, SAINT CLOUD, FL 34772-8258
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 RHAPSODY ST, SAINT CLOUD, FL 34772-8258

Mortgage

Document Number	0064120547
Date	May 23, 2023
Book Page	6412/547
Instrument	2023066124

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	248 Months
Due	Jan 1, 2044

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3511 RHAPSODY ST, SAINT CLOUD, FL 34772-8258
Transaction Type	Mortgage
Record Updated	Jun 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3511 RHAPSODY ST, SAINT CLOUD, FL 34772-8258

Mortgage

Document Number	0059770455
Date	Jun 9, 2021
Book Page	5977/455
Instrument	2021089595

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	271 Months
Due	Jan 1, 2044

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	$1,963.00 (+7.74%) Homeowner's exemption Senior Citizen's exemption	$164,189 (+5.99%)	$323,000 (+0.28%) Land $75,000 Building $248,000
2023	$1,822.00 (+4.59%) Homeowner's exemption Senior Citizen's exemption	$154,915 (+3%)	$322,100 (+15.99%) Land $60,000 Building $262,100
2022	$1,742.00 Homeowner's exemption Senior Citizen's exemption	$150,403	$277,700 Land $55,000 Building $222,700

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	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% 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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