Osceola County property record for 3523 Rhapsody St, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2011 |
| Square Footage | 2,226 sqft Living Area |
| Lot Size | 11,194 sqft (0.257 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $454,000 (2022) |
| Tax Bill | $5,559.00 (2025) |
| Primary APN | 34-26-30-0078-0001-3390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,226 sqft Living Area |
| Gross Area | 2,897 sqft Gross Area |
| 1st Floor | 941 sqft 1st Floor |
| Upper Floors | 1,285 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,194 sqft (0.257 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 415 sqft Garage |
| Patio Area | 240 sqft Patio |
| Porch Area | 256 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 3523 RHAPSODY ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8259 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PHASE 2 PB 20 PG 79-85 LOT 339 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 2 |
| Legal Phase | 2 |
| Legal Tract | 78 |
| Legal Block | 3390 |
| Legal Lot Number | 339 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2029 |
| Census Tract | 43207 |
Source: Osceola County records · APN 34-26-30-0078-0001-3390
Assessment roll updated November 26, 2025 · Last verified July 2026
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 |
|---|---|
| Mailing Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Married Woman as her Sole and Separate Property |
| Date | Document |
|---|---|
| Aug 01, 2022 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Jun 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 01, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 10, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MAGNOLIA BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 01, 2022 · Amount on Record |
| Deed Sale | Aug 01, 2022 · Amount on Record |
| Prior Sale | Apr 23, 2012 · Amount on Record |
| Deed Doc Number | 2022117672 |
| Deed Book / Page | 6261 / 936 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 01, 2022 |
| Property Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Document Number | 0062610936 |
| Book / Page | 6261 / 936 |
| Map Reference | MB 20 PG 79 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022117672 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,178.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 COTTAGE GROVE LN, 46, WATERBURY, CT 06706-2349 |
| Name | Verified Name |
|---|---|
| Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Document Number | 0006261937 |
|---|---|
| Date | Aug 01, 2022 |
| Instrument | 6261/937 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Document Number | 0059772708 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 5977/2708 |
| Instrument | 2021090195 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054101025 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 5410/1025 |
| Instrument | 2018147331 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55423 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3523 RHAPSODY ST, SAINT CLOUD, FL 34772-8259 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0055861219 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 5586/1219 |
| Instrument | 2019116240 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,559.00 (-1.14%) Homeowner's exemption | $353,500 (-0.25%) Land $75,000 Building $278,500 | $353,500 (-0.25%) Land $75,000 Building $278,500 |
| 2023 | $5,623.00 (+115.52%) Homeowner's exemption | $354,400 (+89.61%) Land $60,000 Building $294,400 | $354,400 (+15.93%) Land $60,000 Building $294,400 |
| 2022 | $2,609.00 Homeowner's exemption | $186,913 | $305,700 Land $55,000 Building $250,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 355 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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