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3537 Rhapsody St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3537 Rhapsody St, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,859 sqft · built 2011
Lot Size0.232 acres (10,106 sqft)
Owner2 Owner Names on File
Last Sale$158,353 (Aug 2011)
Tax Bill$2,436 (2025)
Deeds & MortgagesApr 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN156407

Property Details

APN / Parcel Number

Primary APN156407
Alternative APN
  • 342630007800013450

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,859 sqft Heated Area
Gross Area2,487 sqft
1st Floor Area1,859 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2011
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,106 sqft (0.232 acres)
Garage TypeFinished
Garage Area438 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area190 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number156407
Street Address3537 RHAPSODY ST
CitySAINT CLOUD
StateFL
Zip34772-8259
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionESPRIT PHASE 2 PB 20 PG 79-85 LOT 345
Legal Range30E
Legal Township26S
Legal Section34
Legal SubdivisionESPRIT
Legal Phase2
Legal Tract78
Legal Block1
Legal Lot Number345
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2029
Census Tract43207

Owner

The current owner of 3537 Rhapsody St bought it in August 2011.

Source: Osceola County records, as of December 11, 2025

Owner of Record2 Owner Names on File
Mailing Address3537 RHAPSODY ST, SAINT CLOUD, FL 34772-8259
OccupancyOwner Occupied

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2011 · Amount on File
Deed SaleAug 3, 2011 · Amount on File
Deed Document Number2011105702
Deed Book / Page4159 / 2996
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3537 RHAPSODY ST, SAINT CLOUD, FL 34772-8259
Transaction TypeMortgage
Record UpdatedMay 12, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059410229
DateApr 21, 2021
Book Page5941/229
Instrument2021060813
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3537 Rhapsody St was $2,436 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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$2,436.00 Homeowner's exemption$179,016$326,200 Land $75,000 Building $251,200
2023$2,283.00 (+3.96%) Homeowner's exemption$168,904 (+3%)$325,700 (+15.87%) Land $60,000 Building $265,700
2022$2,196.00 Homeowner's exemption$163,985$281,100 Land $55,000 Building $226,100

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

Flood

FEMA maps place 3537 Rhapsody St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File
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

Wildfire risk around 3537 Rhapsody St is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% 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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