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3524 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3524 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,510 sqft · built 2012
Lot Size0.177 acres (7,710 sqft)
Owner2 Individual Names on Record
Last Sale$149,605 (Sep 2012)
Tax Bill$2,193 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN34-26-30-0078-0001-3370

Property Details

APN / Parcel Number

Primary APN34-26-30-0078-0001-3370
Alternative APNs
  • 263034007800013370
  • 156399

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,510 sqft Living Area
Gross Area2,098 sqft
1st Floor Area1,510 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Architectural StyleConventional
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,710 sqft (0.177 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area168 sqft
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3524 RHAPSODY ST
CitySAINT CLOUD
StateFL
Zip34772-8257
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionESPRIT PHASE 2 PB 20 PG 79-85 LOT 337
Legal Range30E
Legal Township26S
Legal Section34
Legal SubdivisionESPRIT PH 2
Legal Phase2
Legal Tract78
Legal Block3370
Legal Lot Number337
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2027
Census Tract43207

Owner

Source: Osceola County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address3524 RHAPSODY ST, SAINT CLOUD, FL 34772-8257
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2012 · Amount on Record
Deed SaleSep 27, 2012 · Amount on Record
Deed Document Number2012140148
Deed Book / Page4327 / 1645
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 17, 2026
Property Address3524 RHAPSODY ST, SAINT CLOUD, FL 34772-8257
Document Number0000093636
Book / Page7005 / 1204
Instrument DateJun 22, 2026
Instrument202693636
Transaction TypeMortgage
Record UpdatedJul 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3524 RHAPSODY ST, SAINT CLOUD, FL 34772-8257

Mortgage

Document Number0000093636,
DateJul 17, 2026
Book Page7005/1204
Instrument202693636
Lender
NameTRUSTCO BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 22, 2056
Interest
Rate6.51%
Max Rate-1%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,193.00 (+6.92%) Homeowner's exemption$165,396 (+5.99%)$297,000 (+0.78%) Land $75,000 Building $222,000
2023$2,051.00 (+4.06%) Homeowner's exemption$156,054 (+3%)$294,700 (+15.8%) Land $60,000 Building $234,700
2022$1,971.00 Homeowner's exemption$151,509$254,500 Land $55,000 Building $199,500

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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 RiskModerate
above 65% of the US · above 41% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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