3699 MOCA DRIVE Saint Cloud, FL $ 460,000
3699 MOCA DRIVE
$ 460,000
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3699 MOCA DRIVE

Saint Cloud, FL, 34772
$ 460,000
Bedrooms4 Baths3.0 Sq 2,820

Monthly Estimate*

$ 2,904

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Single Family Home for sale in Saint Cloud, FL

for $460,000 with 4 bedrooms and 3 full baths. This 2,820 square foot home was built in 2017 on a lot size of 0.27.

Welcome to this beautifully maintained home located in the desirable community of Whaleys Creek in St. Cloud, situated on over ¼ acre with a fully fenced backyard. This spacious home offers 4 bedrooms, 3 remodeled full bathrooms, and a versatile open floor plan designed for comfortable living and entertaining. Enjoy the added charm of being located across from a small lake, offering beautiful sunset views and refreshing summer breezes. The community lap pool is conveniently located just a short walk across the street. Upon entry, you’ll find a formal living room that can easily serve as an office, den, or flex space. The primary suite is conveniently located on the lower level, while three additional generously sized bedrooms are upstairs along with a huge bonus room—perfect for a second family room, game room, media space, or play area. The main living areas feature ceramic tile throughout the lower level, 10-foot ceilings, double-pane insulated windows, and elegant wrought iron stair railing. The gourmet kitchen boasts stainless steel appliances, abundant cabinetry, a walk-in pantry, a large island with a single deep-bowl sink, and a spacious dining area large enough to accommodate a table for 12—ideal for gatherings and entertaining. This gently lived-in and meticulously cared-for home includes numerous upgrades, including a 2025 roof, new vinyl fencing, reverse osmosis drinking water system, and a whole-home softener/purification system. Step outside to enjoy the large backyard with endless possibilities for outdoor living, play, gardening, or creating your own private retreat. This home offers the perfect combination of space, comfort, upgrades, and a desirable location in one of St. Cloud’s sought-after communities

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Single Family Active

Price

$ 460,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 4,292

Style

Traditional

Lot Size

0.27

Year Built

2017

Town/City

Saint Cloud

County/Region

Osceola

MLS | Web ID

O6418854

Features
General
Sewer Public Sewer
Heating Electric
Cooling Central Air
Utilities BB/HS Internet Available Public Street Lights
Roof Shingle
Appliances Convection Oven Dishwasher Disposal Dryer Kitchen Reverse Osmosis System Microwave Range Refrigerator Washer Water Filtration System Water Purifier Water Softener
Zoning R-1
HOA Fee 99
Garage Spaces 2
Association Fee Includes Community Pool
Patio/Porch Features Covered Front Porch
Architectural Style Traditional
Construction Materials Block Stucco
Pets Allowed Yes
Year Built 2017
View Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Pond
Community Features Irrigation-Reclaimed Water Park Playground Pool Sidewalks
Assoc Fee Paid Per Monthly
County Osceola
New Construction false
Property Type Residential
Association Amenities Playground Pool
Attached Garage true
Energy Efficient Insulation Windows
Subdivision Name WHALEYS CREEK PH 1
Facing Direction East
Garage Y/N true
Total Rooms 10
Full Baths 3
Status Active
Directions Head south on Canoe Creek Road. Turn Left onto Whaleys Creek Blvd. Make a right at the roundabout then left at the next stop sign onto Moca Dr The house will be on your right.
City ST CLOUD
Association Name Artemis Lifestyles
Senior Community Y/N false
MLS Area 34772 - St Cloud (Narcoossee Road)
Lot Size Units Square Feet
Lot Size Square Feet 11761
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 4292.53
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 405
Legal Description WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 405
Water View Pond
Minimum Lease 8-12 Months
Water Access Y/N false
Monthly HOA Amount 99
Additional Rooms Formal Living Room Separate Inside Utility Loft
Water View Y/N true
Flood Zone Code X
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Interior
Interior Amenities Ceiling Fan(s) Eating Space In Kitchen High Ceilings Kitchen/Family Room Combo Open Floorplan Primary Bedroom Main Floor Solid Surface Counters Solid Wood Cabinets Stone Counters Walk-In Closet(s) Window Treatments
Flooring Carpet Ceramic Tile
Furnished Y/N Unfurnished
Total Stories 2
Common Walls Corner Unit
Air Conditioning Y/N true
Heating Y/N true
Window Features Double Pane Windows Thermal Windows
Fireplace Y/N false
Half Baths 0
Laundry Features Laundry Room
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Irrigation System Rain Gutters Sidewalk Sliding Doors
Vegetation Fruit Trees
Fencing Vinyl
Lot Features Cleared Corner Lot Oversized Lot Sidewalk
Water Source Public
Lot Size Area 11761
Foundation Details Slab
Building Area Total 3301
Lot Dimensions 145 x 67
Lot Size Acres 0.27
Road Surface Type Asphalt
Private Pool false
Waterfront Y/N true
Covered Spaces 2
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* Excluded Features
List By
Coldwell Banker Realty

Broker

donna.ebanks@gmail.com

Email

Affordability Calculator

$3,262
Per Month
89%
11%
0%
Monthly Principal & Interest
$2,904
Monthly Property Taxes
$358
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
6/23/2026$460,000 Listed Price

Map


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3699 MOCA DRIVE, Saint Cloud, FL, 34772 is a Single Family Home for sale at $460,000 with 2,820 sqft and a lot size of 0.27. 3699 MOCA DRIVE has 4 bedrooms, 3.0 baths, and was built in 2017. The property's zip code is 34772 which is in Saint Cloud, FL