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$460,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,820 Sq. Ft.
  • Updated 2 hours ago
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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

Full Property Details for 3699 Moca Dr

General

  • Price: $460,000
  • HOA FEE: $99/month
  • Taxes: $4,292 (2025)
  • Status: Active
  • Type: Single Family
  • Source: MidFloridaRegionalMLS
  • MLS ID: O6418854
  • Updated: Today (6/23/2026)
  • Added to Site: Today

Rental Information

  • Min. Lease: 8-12 Months

Interior

  • Number of Rooms: 10
  • Interior Features: Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen and Family Room Combination, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s), Window Treatments
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
  • Furnishings: Unfurnished
  • Flooring: Carpet, Ceramic Tile

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 4

Other Rooms

  • Laundry: Laundry Room

Additional Information

  • Shared Amenities: Playground, Pool

Exterior

  • Exterior Features: Irrigation System, Rain Gutters, Sidewalk, Sliding Doors
  • Deck/Patio: Covered, Front Porch
  • Porch/Patio/Deck: Covered, Front Porch

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Covered Spaces: 2

Location

  • Area: 34772 - St Cloud (Narcoossee Road)
  • County: Osceola
  • Development Name: 34772 - St Cloud (Narcoossee Road)
  • Subdivision: WHALEYS CREEK PH 1
  • Driving 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.
  • Direction Faces: East

Community

  • Community Name: 34772 - St Cloud (Narcoossee Road)
  • Community Features: Irrigation-Reclaimed Water, Park, Playground, Pool, Sidewalks
  • Optional Amenities: Playground, Pool
  • Association: Yes
  • Assoc. Name: Artemis Lifestyles
  • Assoc. Fees Include: Community Pool
  • Pet Restrictions: The buyer/buyer agent is responsible for confirming all information with the HOA. Buyer must verify with HOA for rules and regulations.

Heating & Cooling

  • Cooling Type: Central Air
  • Heating Type: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: BB/HS Internet Available, Public, Street Lights

Structural Information

  • Architectural Info: Traditional
  • Architectural Style: Traditional
  • Exterior Const.: Block, Stucco
  • Roof: Shingle
  • Common Walls: Corner Unit
  • Windows: Double Pane Windows, Thermal Windows
  • Stories/Levels: Two
  • Square Feet: 2,820
  • Sq. Ft. Source: Public Records
  • Year Built: 2017

Lot Features

  • Property View: Water
  • Lot Size (Acres): 0.27
  • Lot Size (Sq. Ft.): 11,761
  • Lot Size: 11761
  • Lot Dimensions: 145 x 67
  • Street/Road Desc.: Asphalt
  • Fencing (Description): Vinyl

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Pond

Green Features

  • Energy Efficient: Insulation, Windows

Financial Considerations

  • Association Fee: $99
  • Assoc Fee Freq.: Monthly
  • Assoc Fee Desc.: Required
  • Tax Amount: $4,292.53
  • Tax Year: 2025

Disclosures and Reports

  • Ownership: Fee Simple
  • Special Conditions: None
  • Legal Description: WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 405
  • Flood Zone Info: X
  • APN: 352630096400014050
  • Property ID: 352630096400014050
Buyer's Brokerage Compensation: Contact Listing Agent
Not binding unless confirmed by separate agreement among applicable parties.

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— 3699 Moca Dr —

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 3699 Moca Dr

School District:Osceola County School District
NameGradesDistance
St. Cloud High School
2000 Bulldog Lane, St. Cloud, FL 34769
9-123.7 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3699 Moca Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
6/23/2026
Listed
$460,000
66.06%
MLS
12/29/2017
Sold
$277,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 3699 Moca Dr

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,293
3%
$282,694
3%
2024
$4,149
3%
$274,727
3%
2023
$4,045
5%
$266,726
6%
2021
$3,863
-1%
$251,416
-3%
2022
$3,908
1%
$258,958
6%
2021
$3,863
1%
$244,000
—
2019
$3,818
-7%
$244,400
-5%
2018
$4,102
505%
$257,200
635%
2017
$678
98%
$35,000
100%
2016
$342
—
$17,500
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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3699 Moca Drive, Saint Cloud, FL 34772 (MLS# O6418854) is a Single Family property with 4 bedrooms and 3 full bathrooms. 3699 Moca Drive is currently listed for $460,000 and was received on June 23, 2026. This property is listed by Donna Ebanks from our Winter Springs / Oviedo Office.Want to learn more about 3699 Moca Drive? Do you have questions about finding other Single Family real estate for sale in Saint Cloud? You can browse all Saint Cloud real estate or contact a Coldwell Banker agent to request more information.

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