$460,000
3699 Moca Drive
St Cloud, FL 34772
Listing updated: June 30, 2026 at 8:20 AM ET
Listing courtesy of Coldwell Banker Realty · Donnamarie Ebanks · MLS #O6418854 · Active · 407-696-8000Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history7 days on market
- Status: ActiveJun 23, 2026
- Listed$460,000Jun 23, 2026
- Price increased$460,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 7
- Subdivision
- Whaleys Creek Ph 1
- County
- Osceola
- Year built
- 2017
- Living area
- 2,820 sq ft
- Price/sq ft
- $163
- Building area
- 3,301 sq ft (Public Records)
- Lot size
- 11,761 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- X (12097C0270G)
- Garage
- 2 spaces
- Annual taxes
- $4,293 (2025)
- Parcel #
- 35-26-30-0964-0001-4050
- Zoning
- R-1
- MLS #
- O6418854
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
- Interior features
- Ceiling Fans(s), Eat-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
- Laundry
- Laundry Room
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $99 / Monthly
- Monthly HOA
- $99/mo
- Total monthly fees
- $99/mo
- Total annual fees
- $1,188
- HOA name
- Artemis Lifestyles
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Please contact the HOA to verify any information. Room sizes, square footage and HOA are approximate and should be independently verified by buyer/buyer's agent.
Exterior & Construction
- Exterior features
- Rain Gutters, Sidewalk, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Public
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 13x13 |
| Kitchen | First | 13x15 |
| Family Room | First | 13x20 |
| Dining Room | First | 13x13 |
| Primary Bedroom | First | |
| Laundry | First | 10x9 |
| Bedroom 2 | Second | 13x11 |
| Bedroom 3 | Second | 13x13 |
| Bedroom 4 | Second | 14x12 |
| Bonus Room | Second | 21x20 |
Listing Details
- Listing date
- 2026-06-23
- On market date
- 2026-06-23
- Original list price
- $460,000
- Occupant type
- Owner
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-23
- Tax legal description
- WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 405
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
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.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 30, 2026 at 8:20 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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