3523 RHAPSODY STREET, ST CLOUD, FL, 34772
Active Under Contract15 days on marketListed Sep 25, 2026MLS #S5158144
About this home
3523 RHAPSODY STREET
Under contract-accepting backup offers. Short Sale. Great location. Spacious Home. Incredible Opportunity Welcome to 3523 Rhapsody St in St Cloud FL 34772. This spacious home offers a great opportunity to enjoy the St Cloud lifestyle with plenty of room to live, work, and entertain. Located in a desirable Central Florida area, you'll be conveniently close to shopping, dining, schools, parks, major highways and everything St. Cloud has to provide Set on an oversized 0.26-acre corner lot in St. Cloud’s Esprit community, this 4-bedroom, 2.5-bath home offers 2,226 square feet with the flexible living space today’s buyers are looking for. Step inside to a separate front living area that can easily adapt as a formal dining room, home office, playroom, or additional gathering space. Farther inside, the kitchen opens to the main living and dining areas, creating a comfortable everyday layout with plenty of room to gather. Sliding doors extend the living space outdoors to the large fenced backyard, where the generous corner lot provides room for pets, play, entertaining, or simply enjoying more outdoor space. Upstairs, all four bedrooms are conveniently located together along with the laundry room and an additional loft-style living area—perfect for a game room, homework space, media area, or second family room. The primary suite features a walk-in closet and private bath, while three additional bedrooms provide flexibility for family, guests, or working from home. Additional features include a 2-car garage, solar panels, irrigation system, tile flooring throughout the main level, and a welcoming front porch. Esprit offers a community pool, playground, and sidewalks, adding even more ways to enjoy the neighborhood. With easy access to everyday shopping, dining, major roadways, and everything growing St. Cloud has to provide, this home delivers the space, lot size, and versatile floor plan that can be difficult to find. Whether you're a first-time buyer, a growing household, or an investor looking for a Central FL opportunity this home is worth a closer look. Schedule your showing today and discover the opportunity this home presents.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,226
Sqft
0.26 ac
Lot size
2
Garage
2011
Year built
Two
Levels
$135
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,605 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,605/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−22.6%
$/sqft vs St Cloud actives
$135 vs $211
Days on market
15 vs 65 typical
Where $135/sqft sits among the 399 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Esprit, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,350/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
224 of 399
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3523 RHAPSODY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$375,000
3830 ENCHANTMENT LANE · same community
3 bd · 2.5 ba · 2,004 sqft · $187/sqft · 104 DOM
Sold · Jun ’26$440,000
3501 PIXIE LANE · same community
5 bd · 3 ba · 2,566 sqft · $171/sqft · 4 DOM
Sold · Jun ’26$440,000
3501 PIXIE LANE · same community
5 bd · 3 ba · 2,566 sqft · $171/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3523 RHAPSODY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3523 RHAPSODY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3523 RHAPSODY STREET FAQs
What would the monthly payment be for 3523 RHAPSODY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,605/mo — principal and interest, the actual property-tax bill, the $83/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3523 RHAPSODY STREET?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3523 RHAPSODY STREET?+
The most recent tax bill on record (2025) was $5,560. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3523 RHAPSODY STREET be rented short-term?+
Yes — this home sits inside Esprit, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3523 RHAPSODY STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $300,000, this home is listed about 30% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3523 RHAPSODY STREET?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5158144.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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