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For sale
    • $440,000

    3699 MOCA DRIVE, ST CLOUD, FL 34772

    4beds
    2,820sqft
    : 
    $3,027/mo
    Get pre-qualified
    Single Family Residence
    Built in 2017
    0.27 Acres Lot
    $429,900 Zestimate®
    $156/sqft
    $99/mo HOA

    What's special

    Refreshing summer breezesDouble-pane insulated windowsBeautiful sunset viewsWalk-in pantryFully fenced backyardAbundant cabinetry
    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.
    10 days
    254
    17

    Zillow last checked:

    Listing updated:

    Listed by:

    Donnamarie Ebanks 407-509-7154,

    COLDWELL BANKER REALTY 407-696-8000

    Source: Stellar MLS,MLS#: O6418854MLS LogoOriginating MLS: Orlando Regional

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Rooms
      • Room types: Living Room, Utility Room, Loft
      Primary bedroom
      • Features: En Suite Bathroom, Walk-In Closet(s)
      • Level: First
      Bedroom 2
      • Features: Walk-In Closet(s)
      • Level: Second
      • Area: 143 Square Feet
      • Dimensions: 13x11
      Bedroom 3
      • Features: Walk-In Closet(s)
      • Level: Second
      • Area: 169 Square Feet
      • Dimensions: 13x13
      Bedroom 4
      • Features: Walk-In Closet(s)
      • Level: Second
      • Area: 168 Square Feet
      • Dimensions: 14x12
      Bonus room
      • Features: Built-in Closet
      • Level: Second
      • Area: 420 Square Feet
      • Dimensions: 21x20
      Dining room
      • Level: First
      • Area: 169 Square Feet
      • Dimensions: 13x13
      Family room
      • Level: First
      • Area: 260 Square Feet
      • Dimensions: 13x20
      Kitchen
      • Features: Granite Counters, Kitchen Island, Pantry
      • Level: First
      • Area: 195 Square Feet
      • Dimensions: 13x15
      Laundry
      • Level: First
      • Area: 90 Square Feet
      • Dimensions: 10x9
      Living room
      • Level: First
      • Area: 169 Square Feet
      • Dimensions: 13x13
      Heating
      • Electric
      Cooling
      • Central Air
      Appliances
      • Included: Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
      • Laundry: Laundry Room
      Features
      • Ceiling Fan(s), Eating Space 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)
      • Flooring: Carpet, Ceramic Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments
      • Has fireplace: No
      • Common walls with other units/homes: Corner Unit
      Interior area
      • Total structure area: 3,301
      • Total interior livable area: 2,820 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      • Details: Garage Dimensions: 21x20
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Front Porch
      • Exterior features: Irrigation System, Rain Gutters, Sidewalk
      • Fencing: Vinyl
      • Has view: Yes
      • View description: Water, Pond
      • Has water view: Yes
      • Water view: Water,Pond
      • Waterfront features: Pond
      Lot
      • Size: 0.27 Acres
      • Dimensions: 145 x 67
      • Features: Cleared, Corner Lot, Oversized Lot, Sidewalk
      • Residential vegetation: Fruit Trees
      Details
      • Parcel number: 352630096400014050
      • Zoning: R-1
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2017

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: BB/HS Internet Available, Public, Street Lights
      Green energy
      • Energy efficient items: Insulation, Windows

      Community & HOA

      Community
      • Features: Irrigation-Reclaimed Water, Park, Playground, Pool, Sidewalks
      • Pet fee: $0 monthly
      • Subdivision: WHALEYS CREEK PH 1
      HOA
      • Has HOA: Yes
      • Amenities included: Playground, Pool
      • Services included: Community Pool
      • HOA fee: $99 monthly
      • HOA name: Artemis Lifestyles
      • HOA phone: 407-705-2190
      Location
      • Region: Saint Cloud

      Financial & listing details

      • Price per square foot: $156/sqft
      • Tax assessed value: $405,800
      • Annual tax amount: $4,292
      • Date on market: 6/23/2026
      • Cumulative days on market: 75 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Road surface type: Asphalt

        Estimated market value

        $429,900

        $408,000 - $451,000

        $2,769/mo

        Price history

        DateEventPrice
        10/23/2026Listed for sale$440,000-4.3%$156/sqft
        Source: Stellar MLS #O6418854 Report a problem
        8/28/2026Listing removed$460,000$163/sqft
        Source: Stellar MLS #O6418854 Report a problem
        6/23/2026Listed for sale$460,000+66.1%$163/sqft
        Source: Stellar MLS #O6418854 Report a problem
        1/2/2018Sold$277,000$98/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,293 +3.5%$405,800 +0.2%
        2024$4,149 +2.6%$405,000 +3.1%
        2023$4,045 +3.5%$392,700 +10.1%
        2022$3,908 +1.1%$356,600 +39.3%
        2021$3,863 +2.8%$256,000 +4.9%
        2020$3,757 -1.6%$244,000 -0.2%
        2019$3,818 $244,400 -5%
        2018$3,818 -6.9%$257,200 +634.9%
        2017$4,102 +505%$35,000 +100%
        2016$678 $17,500
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 34772

        Getting around

        7 / 100
        Car-Dependent
        33 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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