3699 MOCA DRIVE, Saint Cloud, FL 34772
Property image
Property image
FOR SALE
3D VIEW
0.27 ACRES

3699 MOCA DRIVE
Saint Cloud, FL 34772

  • 4 Beds
  • 3 Baths
  • 2,820 sqft (on 0.27 acres)

$460,000

Est. Mortgage $3,081/mo*
Get Pre-Qualified

$460,000

Est. Mortgage $3,081/mo*
Get Pre-Qualified
4 Beds
3 Baths
2,820 sqft
(on 0.27 acres)

Home Highlights

Parking
2 Car Garage
Outdoor
Porch
HOA
$99/Monthly
Price/Sqft
$163
Climate Control
Electric & Central Air
Listed
58 days ago

Local Information

  • Map ViewExplore the area around 3699 MOCA DRIVE.
  • Schools2 Preschool Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

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.
Last check for updates: about 7 hours ago
Listing Provided by: Donnamarie Ebanks, (407) 509-7154
COLDWELL BANKER REALTY, (407) 696-8000
Originating MLS: Orlando Regional
Source: Stellar MLS, MLS#O6418854
Also Listed on 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. Some IDX listings have been excluded from this website.
Listing Information presented by local MLS brokerage: Zillow, Inc - (407) 904-3511

Home Details for 3699 MOCA DRIVE

Interior Features

Interior Details
Number of Rooms: 10Types of Rooms: Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Bonus Room, Dining Room, Family Room, Kitchen, Laundry, Living Room
Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 3Number of Bathrooms (full): 3
Dimensions and Layout
Living Area: 2820 Square Feet
Appliances & Utilities
Utilities: BB/HS Internet Available, Public, Street LightsAppliances: Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water SoftenerDishwasherDisposalDryerLaundry: Laundry RoomMicrowaveRefrigeratorWasher
Heating & Cooling
Heating: ElectricHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Electric
Fireplace & Spa
No Fireplace
Windows, Doors, Floors & Walls
Window: Window TreatmentsDoor: Sliding DoorsFlooring: Carpet, Ceramic TileCommon Walls: Corner Unit
Levels, Entrance, & Accessibility
Stories: 2Number of Stories: 2Levels: TwoFloors: Carpet, Ceramic Tile
View
Has a ViewView: Water, Pond

Exterior Features

Exterior Home Features
Roof: ShinglePatio / Porch: Covered, Front PorchFencing: VinylVegetation: Fruit TreesExterior: Irrigation System, Rain Gutters, SidewalkFoundation: SlabNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Other Parking: Garage Dimensions: 21x20No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Garage Attached
Frontage
WaterfrontWaterfront: PondRoad Surface Type: AsphaltOn Waterfront
Water & Sewer
Sewer: Public Sewer

Days on Market

Cumulative Days on Market: 49Days on Market: 58

Property Information

Year Built
Year Built: 2017
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Traditional
Building
Construction Materials: Block, StuccoNot a New ConstructionNo Additional Parcels
Property Information
Parcel Number: 352630096400014050

Price & Status

Price
List Price: $460,000Price Per Sqft: $163

Active Status

MLS Status: Active

Media

Location

Direction & Address
City: ST CLOUDCommunity: WHALEYS CREEK PH 1

Agent Information

Listing Agent
Listing ID: O6418854

Building

Building Area
Building Area: 3301 Square Feet

Community

Community Features: Irrigation-Reclaimed Water, Park, Playground, Pool, SidewalksNot Senior Community
Other
Playground

HOA

HOA Fee Includes: Community PoolHOA Name: Artemis LifestylesHOA Phone: 407-705-2190Association for this Listing: Orlando RegionalHas an HOAHOA Fee: $99/Monthly

Lot Information

Lot Area: 0.27 acres

Listing Info

Special Conditions: None

Offer

Listing Terms: Cash, Conventional, FHA, VA Loan

Energy

Energy Efficiency Features: Insulation, Windows

Business

Business Information
Ownership: Fee Simple

Miscellaneous

Mls Number: O6418854Water ViewWater View: Water, PondShowing Requirements: Appointment Only, ShowingTimeUniversal Property Id: US-12097-N-352630096400014050-R-N

Additional Information

HOA Amenities: Playground,Pool

Around this home

What Locals Say about Saint Cloud

At least 469 Trulia users voted on each feature.

  • 85 % Say yards are well-kept

  • 85 % Say it's dog friendly

  • 85 % Say car is needed

  • 84 % Say parking is easy

  • 80 % Say there's holiday spirit

  • 75 % Say there are sidewalks

  • 72 % Say it's quiet

  • 67 % Say people would walk alone at night

  • 66 % Say kids play outside

  • 65 % Say streets are well-lit

  • 56 % Say neighbors are friendly

  • 54 % Say they plan to stay for at least 5 years

  • 49 % Say there's wildlife

  • 43 % Say it's walkable to grocery stores

  • 34 % Say it's walkable to restaurants

  • 31 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Bg8rr2w5tg
    "It’s conveniently close to grocery stores, hospital, pharmacies, turnpike, while being far away enough from the crowd."
    0
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  • Akira.kennedy
    "Halloweens are so packed with kids and adults alike, it brings a smile to my face. People decorate for all holidays!"
    0
    Flag
  • Isaiah Robison
    "Lots of parks and lots of country land. And it’s a quiet town not too crazy not too busy. It’s pretty clean of a town as well."
    0
    Flag
  • Resident
    "Fantastic safe community and fabulous schools! No where else I want to raise a family. Property taxes are over the top though. "
    0
    Flag
  • Trulia User
    "I work from home but my fiancée works in Orlando and the commute is terrible right now with the traffic it can take maybe 30/45 minutes to get to the highway "
    0
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  • Trulia User
    "Love but no privacy but everyone is really nice. You can tell a lot more people are renting and don’t care as much about the property "
    0
    Flag
  • Trulia User
    "The neighborhood is very quiet and great for families. Everyone is very pleasant. The area is always clean. "
    0
    Flag
  • Jeandiaz618
    "There are a long dog owners who walk their dogs, and there are sidewalks through the whole neighborhood. "
    0
    Flag
  • Isaiah Robison
    "There are a lot of gangs that live in St. Cloud it’s not a safe place to live. But where is nowadays? "
    0
    Flag
  • Keila Lugo
    "Many families and kid friendly activities. Low crime rates and nice neighbors. The schools are A schools with awesome staff "
    0
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  • Rich Kowalski
    "Osceola County doesn’t invest in the infrastructure (Roads). The traffic is a major issue in the Saint Cloud area!"
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  • Trulia User
    "Is pretty bad due to only one access avenue and is most likely busy at some point of the day, i hope they can make another way to across town"
    9
    Flag
  • Mjeanettecarrier
    "This is a quiet peaceful neighborhood. Everyone is kind and keeps their place neat and trim. We are close enough to the lake to feel the breeze and smell the fresh air. We can walk to the lake and enjoy all of the amenities the city provides recreation, family gatherings seafood restaurant and marina "
    5
    Flag
  • Anthony A.
    "The neighborhood is great. It’s growing, but keeps that small town way of life. The community is strong and people help each other whenever possible. "
    2
    Flag
  • Roxiemc78
    "Christmas every year they do contest so a lot of houses decorate for the holiday. It’s greAt to walk around and look at the lights and decorations "
    2
    Flag
  • Richard R.
    "Just moved here and love it! Friendly neighbors, great community & easy access to everything. Come and visit us!"
    0
    Flag
  • Victoria L.
    "There are mostly families in this neighborhood and overall most people are nice and will eventually talk to you."
    1
    Flag
  • Bree p
    "Everything, all the parades and events - the schools and sports are very involved and lots of activities"
    0
    Flag
  • Batesonjillian19
    "It’s not even a commute. They all act like everyone’s not human and are rude and disrespectful to each other. "
    2
    Flag
  • Lisamarietherealtor
    "Yes I am a dog owner myself and never had any issues with my neighbors very dog friends neighborhood "
    1
    Flag
  • Perseverance
    "quiet neighborhood, no complaints except other residents do not always keep their dogs in a leash. can be very troublesome when you have to guard your dog from others attacking it bc they refuse to leash their dogs or are just lazy."
    0
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  • Alfred A.
    "Everyone seems to know each other. Nice group of people. We all help each other during emergencies. "
    0
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  • Melissa S.
    "Lived here for 5 years. It's the closest to home I've felt since moving to FL. Neighbors are friendly. "
    1
    Flag
  • Alfred A.
    "I don’t know I’m not a dog owner. If I was a dog owner I wouldn’t leave the dog out all night so it barks and keep people up from sleeping. Some do that here and it’s very inconsiderate. "
    0
    Flag
  • Mjeanettecarrier
    "St. Cloud is a very family oriented community. The lake, sandy beach, play grounds, parks, volleyball, swimming, fishing, boating, picnics, quiet community "
    0
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  • Mjeanettecarrier
    "It’s a dog friendly neighborhood. You can walk your dog along the sidewalk and at the marina pet owner can eat outside with their dogs. "
    0
    Flag
  • Gobrowngo
    "No sidewalks. Traffic is a nightmare. No one drives the speed limit. Very rapidly going down hill fast."
    0
    Flag
  • Nyla R.
    "Traffic sucks and construction never ends. The whole town is over populated . Too many people not enough roads or jobs for everyone . "
    0
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  • Mdsfinest1
    "Things are a bit far from my community. I have to drive at least 20-30 minutes to get to any stores. Gas stations are a little closer at 10 minutes away. "
    0
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  • Anthony A.
    "The commute is very good. We have buses and SunRail close by. As well as the Florida Turnpike not far. "
    0
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  • Gobrowngo
    "Most streets don’t have sidewalks. No one drives the speed limit, especially on 10th street and Hwy 192."
    0
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  • Ashley N.
    "I always see people walking their dogs in the neighborhood my boyfriend lives in. There’s a nice trail around the lake to walk/run with them and a dog park."
    0
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  • Mjeanettecarrier
    "This is a dog friendly town. People are considerate about picking up after the dogs. Dogs are on leashes and friendly. If you’re the kind of person who lets their dog run loose you won’t like it here "
    0
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  • Michelle A. C.
    "Movies at the lake front, always community actives every weekend, holiday parades, craft shows, food trucks"
    0
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  • Christine3313
    "Close knit community and kind neighbors. The community organizes several events each year for residents including fireworks and a celebration for the 4th of July, and Easter egg hunt, and a Christmas party. "
    0
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  • Robert R.
    "Commute is horrible lol. It is so bad that most days I go home and just cry myself to sleep until I repeat it all the next day. "
    0
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  • Trulia User
    "Respect to each neighbors privacy and culture Enforce driving speed on the street Neighbors respect each other home and property and mailboxes. "
    0
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  • Vasselvernon90
    "It’s okay it don’t really have much to go off of but it’ll do for the time being I’m trying to find a commute I can raise my daughter in and not have to worry at night or during the day while she’s at school "
    0
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  • Kalikaperry
    "It’s nice and calm in my community. I like that is is a laid back city but still have everything that I need. "
    0
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  • David B.
    "various events at our lakefront park and downtown area. Carnival rides for adults and children. Car shows as well."
    0
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Market trends in Saint Cloud

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$390K
$3.33KMoM
Sale-to-List Price
98.7%
Price per sq ft
$201
$2MoM
Available listings
1002
34MoM

Home Value

Trulia Estimate
$453K
Since last month
$200 (0%)
Since last year
Decreased$5K (-1.1%)
Since last sale
Increased$176K (+63.5%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +162% in the last 10 years
MonthEstimated value
2026
August 2026$453K
July 2026$453K
June 2026$458K
May 2026$446K
April 2026$446K
March 2026$446K
February 2026$444K
January 2026$443K
2025
2024
2023
2022
2021
2020
2019
2018
2017

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
3980 BAJA DRIVE, Saint Cloud, FL
0.11
Single-Family Home
$490,000
06/30/26
4
3
2,591
3680 CABO LANE, Saint Cloud, FL
0.08
Single-Family Home
$233,000
07/28/26
4
3
1,972
3675 CABO LANE, Saint Cloud, FL
0.11
Single-Family Home
$385,000
12/12/25
4
3
1,972
3636 MOCA DRIVE, Saint Cloud, FL
0.19
Single-Family Home
$480,000
05/01/26
6
3
2,615
3866 CABO ROJO DRIVE, Saint Cloud, FL
0.42
Single-Family Home
$429,400
10/27/25
4
3
2,565
3953 BAJA DRIVE, Saint Cloud, FL
0.18
Single-Family Home
$390,000
10/14/25
4
2
1,972
3989 BAJA DRIVE, Saint Cloud, FL
0.08
Single-Family Home
$410,000
04/01/26
3
2
1,972
3673 MOCA DRIVE, Saint Cloud, FL
0.14
Single-Family Home
$415,000
06/17/26
3
2
2,144
3619 VEGA CREEK DRIVE, Saint Cloud, FL
0.38
Single-Family Home
$460,000
02/20/26
5
3
2,820

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
3610 MOCA DRIVE, Saint Cloud, FL 34772
0.04
$402,100
4
2
2,144
Off Market
3911 BAJA DRIVE, Saint Cloud, FL 34772
0.06
$345,500
3
2
1,972
Off Market
3989 BAJA DRIVE, Saint Cloud, FL 34772
0.08
$410,000
3
2
1,972
Recently Sold
3680 CABO LANE, Saint Cloud, FL 34772
0.08
$369,000
4
3
1,972
For Sale
3986 BAJA DRIVE, Saint Cloud, FL 34772
0.08
$444,900
4
2.5
2,675
For Sale
3912 BAJA DRIVE, Saint Cloud, FL 34772
0.08
$406,400
4
2
2,144
Off Market
3675 CABO LANE, Saint Cloud, FL 34772
0.11
$385,000
4
3
1,972
Recently Sold
3673 MOCA DRIVE, Saint Cloud, FL 34772
0.14
$415,000
3
2
2,144
Recently Sold
3980 BAJA DRIVE, Saint Cloud, FL 34772
0.11
$490,000
4
3
2,591
Recently Sold
3966 BAJA DRIVE, Saint Cloud, FL 34772
0.12
$389,900
3
2
2,144
For Sale
3865 SAN ISIDRO CIRCLE, Saint Cloud, FL 34772
0.16
$374,700
4
2
1,859
Off Market

Price and Tax history

DateEventPrice
Jun 23, 2026
Source: Stellar MLS #O6418854
Listed For Sale
$460,000
Jan 2, 2018
Source: N/A
Sold
$277,000

LGBTQ Local Legal Protections

Donnamarie Ebanks, COLDWELL BANKER REALTY, (407) 696-8000
Agent Phone: (407) 509-7154

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Frequently asked questions about 3699 MOCA DRIVE

  • What is the estimated monthly payment for 3699 MOCA DRIVE?
    Based on a $460,000 list price with 20% down at today's rates, the estimated monthly payment for 3699 MOCA DRIVE in Saint Cloud, FL is approximately $3,034 (about $2,388 principal & interest, $571 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 3699 MOCA DRIVE compare to homes in Saint Cloud?
    3699 MOCA DRIVE in Saint Cloud, FL is listed at $460,000, about 18% above the $390K median sale price in Saint Cloud.
  • What do residents say about Saint Cloud?
    Residents describe Saint Cloud, FL as well-kept, dog-friendly, and easy to park in. Most residents say you need a car. See homes for sale in Saint Cloud, FL.
  • What are the closest schools to 3699 MOCA DRIVE?
    The closest schools to 3699 MOCA DRIVE in Saint Cloud, FL are CANOE CREEK K-8-0991 (Pre-K/Elementary/Middle, rated 9/10), St. Cloud High School (Pre-K, rated 4/10).
  • Does 3699 MOCA DRIVE have air conditioning?
    Yes, 3699 MOCA DRIVE in Saint Cloud, FL has air conditioning.
  • Does 3699 MOCA DRIVE have a pool?
    Yes, 3699 MOCA DRIVE in Saint Cloud, FL has a pool.
3699 MOCA DRIVE, Saint Cloud, FL 34772 is a 4 bedroom, 3 bathroom, 2,820 sqft single-family home built in 2017. This property is currently available for sale and was listed by Stellar MLS on Jun 23, 2026. The MLS # for this home is MLS# O6418854.