$440,000
3699 Moca Dr , Saint Cloud, FL 34772
- 4
- beds
- 3
- baths
- 2,820
- sqft
- 2017
- year built
- Status:
- Active
- MLS #:
- O6418854
- Neighborhood:
- WHALEYS CREEK PH 1
- County:
- Osceola
- Listed By:
- Donnamarie Ebanks - COLDWELL BANKER REALTY
- Agent Phone:
- (407) 509-7154
- Agent Email:
- donna.ebanks@gmail.com
Sponsoring Broker: Derek Eisenberg, Continental Real Estate Group, Inc
Welcome to this beautifully maintained home located in the desirable community of Whaleys Creek in St. Cloud, with LOW HOA AND NO CDD, 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 communitie within minutes to Florida Turnpike making easy commutes to the Airport, Tampa, Amusement Parks and Downtown Orlando.
Highlights
- Residential
- Single Family Residence
- Built in 2017
- 0.27 Acre Lot
- $99/mo HOA
- Waterfront
- 2 Car Garage
- 138 days on Market
-
- Bedrooms
- 4
-
- Bathrooms
- 3
-
- Year Built
- 2017
-
- Stories
- 2.0
-
- Architectural Style
- Traditional
-
- Construction Materials
- Stucco, Block
-
- Foundation
- Slab
-
- Garage Spaces
- 2.0
-
- Parking Features
- Attached
-
- Living Area
- 2820.0
-
- Interior Features
- Eat-in Kitchen, Walk-In Closet(s), High Ceilings, Open Floorplan, Stone Counters
-
- Appliances
- Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Disposal, Convection Oven, Water Softener, Water Purifier
-
- Flooring
- Carpet, Ceramic Tile
-
- Furnished
- Unfurnished
-
- Exterior Features
- Rain Gutters
-
- Patio And Porch
- Covered, Front Porch
-
- Cooling
- Central Air
-
- Heating
- Electric
-
- Acres
- 0.27
-
- Lot Features
- Cleared, Waterfront, Corner Lot
-
- Water Front Features
- Pond
-
- Water Front
- Yes
-
- View
- Water, Pond
-
- Water
- Public
-
- Area
- 34772 - St Cloud (Narcoossee Road)
-
- County
- Osceola
-
- City
- Saint Cloud
-
- Neighborhood
- WHALEYS CREEK PH 1
-
- Zip Code
- 34772
-
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Company NMLS #: 3446
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Estimated Value
$459,935
Estimated Sales Price Range:
$427,739 - $492,130
Source: Constellation Data Labs
Price History
| 10/23/2026 | Price Changed | $440,000 |
| Source: Stellar MLS #O6418854 | ||
| 06/23/2026 | Listed | $460,000 |
| Source: Stellar MLS #O6418854 | ||
Source: MLS Data
Deed History
| 01/02/2018 | Special Warranty Deed | $277,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 10/06/2022 | FHA | $61,295 |
| 01/02/2018 | FHA | $271,923 |
Source: Public records via Constellation Data Labs
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Similar Listings
Look Throughout Saint Cloud
There are currently 1669 properties available in Saint Cloud, with 94 under contract to close soon. Properties in the city have an average sale price of $461,608 and typically spend 113 days on the market before being sold.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 3699 Moca Dr?
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How do I get more information about 3699 Moca Dr?
Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $440,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Saint Cloud, and can even get you in to see the property quickly.
How do I get a virtual tour of 3699 Moca Dr?
Yes! A virtual tour is available for 3699 Moca Dr. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.
How much is the monthly mortgage payment for 3699 Moca Dr?
With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 3699 Moca Dr at around $2,743. This includes estimated property taxes and insurance.
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How do I get pre-approved to buy 3699 Moca Dr?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Osceola County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 3699 Moca Dr?
In most cases, yes. Whether 3699 Moca Dr is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Saint Cloud's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 3699 Moca Dr?
We can handle that for you. Our preferred local agent specializes in residentials in Saint Cloud and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $440,000 with 2,820 sqft of space—that comes out to approximately $156 per square foot.
How long has this property been on the market?
3699 Moca Dr was listed on June 23, 2026, which means it's been on the market for 138 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2017, making it approximately 9 years old.
What is the lot size of this property?
3699 Moca Dr sits on a 0.27-acre lot, which is 11,761 square feet.
What are the property taxes for 3699 Moca Dr?
The most recent public record shows annual property taxes for 3699 Moca Dr were approximately $4,293. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $99 paid monthly.
This covers access to community features including: Playground, Pool.
Is 3699 Moca Dr still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Stellar MLS. All rights reserved.
Last Updated: November 08, 2026 at 12:18AM | Source: Stellar MLS | MLS#: O6418854
