3699 Moca Drive, St Cloud, FL 34772
For Sale $440,000
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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.
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
Playground
Pool
Taxes: $4,292.53
Tax Year: 2025
Association Fee: $99.00
Association Fee Frequency: Monthly
Rain Gutters
Sidewalk
Convection Oven
Dishwasher
Disposal
Dryer
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Water Filtration System
Water Purifier
Water Softener
Water
Pond
View: Pond
Building Description: Traditional
MLS Area: 34772 - St Cloud (Narcoossee Road)
Total Square Footage: 3,301
Price per Square Feet: $156.03
Total Floors: 2
Water: Public
Construction: Block, Stucco
Date Listed: 2026-06-23 00:00:00
Furnished: Unfurnished
Windows: Double Pane Windows, Thermal Windows
Garage Description: Y
Garage Spaces: 2
Attached Garage: Y
Flooring: Carpet, Ceramic Tile
Roof: Shingle
Heating: Electric
Cooling: Central Air
Laundry: Laundry Room
Pets: Yes
Sewer: Public Sewer
Lot Desc.: Cleared, Corner Lot, Oversized Lot, Sidewalk
Parcel ID: 35-26-30-0964-0
Amenities: Playground, Pool
Listing Courtesy Of: Coldwell Banker Realty
donna.ebanks@gmail.com
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.
Property Details
Price: $440,000
Sq Ft: 2,820
($156 per
sqft)
Bedrooms: 4
Bathrooms: 3
City: St Cloud
County: Osceola
Type: Single Family
Development: Whaleys Creek
Subdivision: Whaleys Creek Ph 1
Acres: 0.2700
Virtual Tour/Floorplan: View
Year Built: 2017
Listing Number: O6418854
Status Code: A-Active
Taxes: $4,292.53
Tax Year: 2025
Garage:
2
/
Y
Furnishings: Unfurnished
Pets Allowed: Yes
Total Recurring Fees: $99
Total Recurring Fee Frequency: 0.00
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
Amenities:
Playground
Pool
Financial Information:
Taxes: $4,292.53
Tax Year: 2025
Association Fee: $99.00
Association Fee Frequency: Monthly
Exterior Features:
Rain Gutters
Sidewalk
Equipment:
Convection Oven
Dishwasher
Disposal
Dryer
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Water Filtration System
Water Purifier
Water Softener
View:
Water
Waterfront Description:
Pond
View: Pond
Additional Information:
Building Description: Traditional
MLS Area: 34772 - St Cloud (Narcoossee Road)
Total Square Footage: 3,301
Price per Square Feet: $156.03
Total Floors: 2
Water: Public
Construction: Block, Stucco
Date Listed: 2026-06-23 00:00:00
Furnished: Unfurnished
Windows: Double Pane Windows, Thermal Windows
Garage Description: Y
Garage Spaces: 2
Attached Garage: Y
Flooring: Carpet, Ceramic Tile
Roof: Shingle
Heating: Electric
Cooling: Central Air
Laundry: Laundry Room
Pets: Yes
Sewer: Public Sewer
Lot Desc.: Cleared, Corner Lot, Oversized Lot, Sidewalk
Parcel ID: 35-26-30-0964-0
Amenities: Playground, Pool
Map of 3699 Moca Drive, St Cloud, FL 34772
Listing Courtesy Of: Coldwell Banker Realty
donna.ebanks@gmail.com