IDX

Listed by Donnamarie Ebanks · Courtesy of COLDWELL BANKER REALTY · Agent MLS ID# MFR261099122 · Deemed reliable but not guaranteed. · Listing updated: Oct 24, 2026 · 12:16 AM

3699 MOCA DR

Saint Cloud, Osceola, FL, 34772

Active

$440,000

$156/sqft

4Beds
3Baths
2,820Sq Ft
2017Built
65Days on Market

About this home

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.

Facts & Features

MFRO6418854
$440,000
Active
4
3
3
0
2,820 sqft
0.2700
2017
Residential
Single Family Residence
Traditional

Community Information

3699 MOCA DR
Whaleys Creek Ph 1
Saint Cloud
Osceola
FL
34772
No

Amenities

Pool, Playground
N/A
No
Yes
No

Interior

Ceiling Fans(s), High Ceilings, Open Floorplan, Walk-In Closet(s), Eat-in Kitchen, Solid Wood Cabinets, Kitchen/Family Room Combo, Stone Counters, Window Treatments, Solid Surface Counters, Primary Bedroom Main Floor
Electric
Central Air
Carpet, Ceramic Tile
N/A
2
Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Range, Convection Oven, Water Filtration System, Water Softener, Kitchen Reverse Osmosis System, Water Purifier

Exterior

Rain Gutters, Sidewalk
Block, Stucco
Slab
Shingle
Vinyl
Oversized Lot, Cleared, Sidewalk, Corner Lot

School Information

N/A
N/A
N/A

Additional Information

June 23, 2026
65
R-1
East
No

Mortgage Calculator

$
$
%
Years
Percent per year

This calculator provides estimates for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and loan terms vary by lender and are subject to credit approval, income/asset verification, and market conditions. Property tax and homeowners insurance shown are estimates and may differ. PMI applies when the down payment is under 20%. For an official Loan Estimate, contact a licensed mortgage lender. COLDWELL BANKER REALTY is a licensed real estate brokerage, not a mortgage lender. Equal Housing Opportunity.

65 days on market

Listing updated: Oct 24, 2026 · 12:16 AM

Listed by: Donnamarie Ebanks · 407-509-7154—COLDWELL BANKER REALTY · 407-696-8000

Updated from Real Estate Market Data

Location

Ahmed ElbatrawyAhmed ElbatrawyEmpire Network Realty

Get in Touch

You may also like

Similar Properties

6068 RIVER FARM AVE — home for sale

$468,990

6068 river farm ave

4Beds
3Baths
MFRO6452300MLS ID
2,210SqFt

Courtesy of SM FLORIDA BROKERAGE LLC

1640 CANE BAMBOO DR — home for sale

$521,466

1640 cane bamboo dr

4Beds
2Baths
MFRO6452193MLS ID
1,903SqFt

Courtesy of REAL BROKER, LLC

5055 SHADY PINES DR — home for sale

$679,000

5055 shady pines dr

5Beds
4Baths
MFRS5160077MLS ID
3,047SqFt

Courtesy of KEMAR REALTY LLC