3520 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3520 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,978 sqft · built 2008
Lot Size	0.283 acres (12,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Jun 2018)
Tax Bill	$3,614 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0078-0001-2970`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-2970`
Alternative APNs	`263034007800012970` `156359`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,978 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,505 sqft
Upper Floors Area	1,473 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.283 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	348 sqft
Porch	Finished/Open Porch
Porch Area	266 sqft
Deck Area	1,080 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3520 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 297
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	2970
Legal Lot Number	297
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 April 16, 2026

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	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jun 13, 2018	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Mar 17, 2014 · Amount on Record
Deed Document Number	201890762
Deed Book / Page	5349 / 252
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2026
Property Address	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0000046508
Book / Page	6951 / 2269
Instrument Date	Mar 11, 2026
Instrument	202646508
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Investor	Possibly a Property Investor

Mortgage

Document Number	0000046508,
Date	Apr 7, 2026
Book Page	6951/2269
Instrument	202646508

Lender

Name	TRUSTCO BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2056

Interest

Rate	6.09%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 RHAPSODY ST, SAINT CLOUD, FL 34772

Mortgage

Document Number	0058491114
Date	Dec 11, 2020
Book Page	5849/1114
Instrument	2020168320

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2045

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 13, 2018
Property Address	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256
Document Number	0053490252
Book / Page	5349 / 0252
Map Reference	MB20 PG79-85
Instrument Date	Jun 8, 2018
Instrument	2018090762
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST ADVANTAGE TITLE PARNTE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6235 ROLLING ROAD DR, 6235, PINECREST, FL 33156-5563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 RHAPSODY ST, SAINT CLOUD, FL 34772-8256

Mortgage

Document Number	2018090763
Date	Jun 13, 2018
Instrument	2018090763

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$3,614.00 (+3.52%) Homeowner's exemption	$244,823 (+6.19%)	$429,100 (-4.64%) Land $75,000 Building $354,100
2024	$3,491.00 (+2.89%)
2023	$3,393.00 (+3.63%) Homeowner's exemption	$230,558 (+3%)	$450,000 (+14.77%) Land $60,000 Building $390,000
2022	$3,274.00 Homeowner's exemption	$223,843	$392,100 Land $55,000 Building $337,100

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	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.

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