Virtual TourMap

For SaleSingle Family ResidenceActive

3699 Moca Drive

St Cloud, FL 34772

$440,000

138 Days On Site

  • 4Beds
  • 3Baths3 full
  • 2,820Sq Ft
  • $156Per Sq Ft
  • 0.27Acres
  • 2017Built
Subdivision
Whaleys Creek Ph 1
County
Osceola
MLS®
O6418854

Overview

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.

Listing Snapshot

Price
$440,000
Days On Site
138 Days
Bedrooms
4
Inside Area (SqFt)
2,820 sqft
Total Baths
3
Full Baths
3
Partial Baths
0
Lot Size
0.27 Acres
Year Built
2017
MLS® Number
O6418854
Status
Active
Property Tax
$4,292.53 (2025)
HOA/Condo/Coop Fees
$99 monthly
Sq Ft Source
Public Records

Property Details

General Features

17 items
Acres
0.27
Attached Garage
Yes
Direction Faces
East
Foundation
Slab
Garage
Yes
Garage Spaces
2
Green Energy Efficient
Insulation, Windows
Levels
Two
Number Of Stories
2
Parking
Attached
Pets
Yes
Property Sub Type
Single Family Residence
Sewer
Public Sewer
SqFt Total
3,301
Style
Traditional
Water Source
Public
Zoning
R-1

Interior Features

17 items
Appliances
Convection Oven, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Purifier, Water Softener
Cooling
Central Air
Flooring
Carpet, Ceramic Tile
Furnished
Unfurnished
Heating
Electric
Interior
Eat-in Kitchen, High Ceilings, Open Floorplan, Stone Counters, Walk-In Closet(s)
Laundry Features
Laundry Room
Window Features
Double Pane Windows

Rooms

RoomDimensionsLevelFeatures
Bedroom 213x11
Bedroom 313x13
Bedroom 414x12
Bonus Room21x20
Dining Room13x13
Family Room13x20
Kitchen13x15Granite Counters, Kitchen Island
Laundry10x9
Living Room13x13

Exterior Features

11 items
Construction Details
Block, Stucco
Exterior
Rain Gutters
Fencing
Vinyl
Lot Features
Cleared, Corner Lot, Waterfront
Patio And Porch
Covered, Front Porch
Roof
Shingle
View
Pond, Water
Waterfront
Yes
Waterfront Features
Pond
Waterview
Pond, Water
Windows/Doors
Double Pane Windows

Community Features

8 items
Association Amenities
Playground, Pool
Association Fee
$99.0
Association Fee Frequency
Monthly
Community Features
Park, Playground, Pool, Sidewalks, Street Lights
MLS Area
34772 - St Cloud (Narcoossee Road)
Township
26S
Financing Terms Available
Cash, Conventional, FHA, VA Loan
Roads
Asphalt

Location

3699 Moca Drive, St Cloud, FL 34772 · 34772 - St Cloud (Narcoossee Road)

$7M$1M
© OpenStreetMap contributors
Open in Google Maps

Neighborhood & Commute

ZIP Code 34772

Median household income
$70,917
Income per person
$29,929
Households
16,421
Average household size
3.01
Median age
37.9

Source: Walk Score.

Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.

Price & Status History

  1. Listing updated with changes from the MLS®
  2. Status changed to Active
  3. Price changed to $440,000
  4. Listing first seen on site

Friends & Family

Similar Homes

For sale in St Cloud, single family residence, within 20% of this price.

Listing courtesy of COLDWELL BANKER REALTY (407) 509-7154

Stellar MLS

Listing information is provided by Participants of the Stellar MLS. IDX information is provided exclusively for 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 is deemed reliable but not guaranteed. Properties displayed may be listed or sold by various participants in the MLS Copyright 2026, Stellar MLS.

Last checked: 2026-11-09 06:39 AM EST

Powered by Showcase IDX, a Constellation1 company

We use cookies to improve your experience and our marketing. Privacy Policy