St Cloud, FL · Single Family Residence
3699 Moca Dr
Active · MLS MFRO6418854 · Listed by COLDWELL BANKER REALTY · 407-696-8000.
THE SETTING, AND THE DETAILS
A closer look.
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.
The details that help you decide.
Details supplied with the listing. Information that was not provided is marked below.
Home essentials
- Price per square foot
- $163
- Full bathrooms
- 3
- Half bathrooms
- 0
- Heated living area
- 2820
- Lot size (acres)
- 0.27
- Lot size (sq ft)
- 11761
- Year built
- 2017
- Property type
- Residential
- Property style
- Traditional
Interior & rooms
- 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
- Appliances
- Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
- Flooring
- Carpet, Ceramic Tile
- Additional rooms
- Formal Living Room Separate,Inside Utility,Loft
Land, water & community
- Waterfront
- Yes
- Waterfront type
- Pond
- Water body / lake name
- Not provided
- Water view
- Pond
- Dock
- Not provided
- Dock features
- Not provided
- Other views
- Water
- Lot features
- Cleared, Corner Lot, Oversized Lot, Sidewalk
- Exterior features
- Rain Gutters, Sidewalk, Sliding Doors
- Community amenities
- Irrigation-Reclaimed Water, Park, Playground, Pool, Sidewalks, Street Lights
- Zoning
- R-1
- Current use
- Not provided
- Horse amenities
- Not provided
- Fencing
- Vinyl
- Other structures
- Not provided
Pool, parking & systems
- Private pool
- No
- Pool features
- Not provided
- Garage
- Yes
- Garage spaces
- 2
- Carport
- No
- Carport spaces
- Not provided
- Parking features
- Not provided
- Fireplace
- No
- Fireplace features
- Not provided
- Heating
- Electric
- Cooling
- Central Air
- Water supply
- Public
- Sewer
- Public Sewer
- Utilities
- BB/HS Internet Available, Public
Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Stories
- 2
- Levels
- Two
Location & schools
- City
- ST CLOUD
- Subdivision
- WHALEYS CREEK PH 1
- County
- Osceola
- ZIP code
- 34772
- Elementary school
- Not provided
- Middle school
- Not provided
- High school
- Not provided
Association, taxes & listing
- HOA / association
- Yes
- Association fee
- $99
- Fee frequency
- Monthly
- Included services
- Pool
- Association amenities
- Playground, Pool
- Additional association fee
- Not provided
- Additional fee frequency
- Not provided
- Condo fee
- Not provided
- Condo fee frequency
- Not provided
- Annual property taxes
- $4,292.53
- Tax year
- 2025
- Other annual assessments
- Not provided
- CDD
- No
- Listing status
- Active
- Days on market
- 49
- Listing broker
- COLDWELL BANKER REALTY
- MLS number
- MFRO6418854
Explore the area
Location supplied with the listing. Confirm boundaries and access for the property.
Listed by COLDWELL BANKER REALTY · MLS MFRO6418854
Source: mfrmls · Listing updated 2026-08-11 14:22:33 UTC.
Information is deemed reliable but is not guaranteed. Availability and details may change.
A GOOD CONVERSATION IS A GOOD START
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your next move.
Ask about this home, arrange a showing, or talk through what you’re looking for.
Call Scott: (407) 760-0382Your inquiry goes directly to Scott.