3522 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3522 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2012
Lot Size	0.203 acres (8,886 sqft)
Owner	Individual Name on File
Last Sale	$208,474 (Aug 2012)
Tax Bill	$3,714 (2025)
Deeds & Mortgages	Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`156400`

Property Details

APN / Parcel Number

Primary APN	`156400`
Alternative APN	`342630007800013380`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Heated Area
Gross Area	3,661 sqft
1st Floor Area	2,662 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,886 sqft (0.203 acres)
Garage Type	Finished
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	202 sqft
Patio Area	280 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156400
Street Address	3522 RHAPSODY ST
City	SAINT CLOUD
State	FL
Zip	34772-8257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 338
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	338
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2027
Census Tract	43207

Owner

Source: Osceola County records · APN 156400

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3522 RHAPSODY ST, SAINT CLOUD, FL 34772-8257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 01, 2012 · Amount on Record
Deed Sale	Aug 01, 2012 · Amount on Record
Deed Document Number	2012113289
Deed Book / Page	4303 / 2218
Record Updated	Jun 08, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3522 RHAPSODY ST, SAINT CLOUD, FL 34772-8257
Document Number	0053830603
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3522 RHAPSODY ST ST CLOUD FL 347728257, ST CLOUD, FL 34772-8257

Mortgage

Document Number	0053830603
Date	Aug 10, 2018
Book Page	005383/000603
Instrument	122533

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 09, 2048

Interest

Rate	3.75%

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,714.00 (+11.5%) Homeowner's exemption	$250,374 (+10.23%)	$391,500 (-3.31%) Land $75,000 Building $316,500
2023	$3,331.00 (+3.61%) Homeowner's exemption	$227,145 (+3%)	$404,900 (+16.25%) Land $60,000 Building $344,900
2022	$3,215.00 Homeowner's exemption	$220,530	$348,300 Land $55,000 Building $293,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Lumen Technologies.

Based on FCC filings for 376 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.