# 3699 MOCA Drive, Saint Cloud, FL 34772 > **TL;DR:** 4bd/3ba single family, $440,000 ($156/sqft), built 2017, 2,820 sqft. > Waterfront, View, A/C, 2-car garage. Est. $2,353/mo. Listed 129 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $440,000 | | Price/sqft | $156 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,820 | | Year Built | 2017 | | Lot Size | 11,761 sqft (0.27 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 129 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,225 | | Estimated Insurance | $128 | | **Total** | **$2,353** | ## Key Amenities - Waterfront - View - A/C - 2-car garage ## Property Highlights - Built in 2017 - 0.27 acre lot - 2 stories - Waterfront ## Description ### Agent Description 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 1/4 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. ## Location - **Address:** 3699 MOCA Drive, Saint Cloud, FL 34772 - **County:** Osceola - **Neighborhood:** WHALEYS CREEK PH 1 - **Coordinates:** 28.185527, -81.28158 - **Google Maps:** https://www.google.com/maps?q=28.185527,-81.28158 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/stellar/O6418854 ## Listing Agent - **Name:** Donnamarie Ebanks - **Brokerage:** Coldwell Banker - **Broker Phone:** (813) 754-3586 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3699-Moca-Dr_Saint-Cloud_FL_34772_M69247-69455?f=listhub&s=MFRMLSFL&m=O6418854&c=propsimple) ## Photos ![3699 MOCA Drive - Photo 1](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3448261378r.jpg) ![3699 MOCA Drive - Photo 2](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f772101090r.jpg) ![3699 MOCA Drive - Photo 3](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f790881313r.jpg) ![3699 MOCA Drive - Photo 4](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3234278738r.jpg) ![3699 MOCA Drive - Photo 5](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3026813307r.jpg) ![3699 MOCA Drive - Photo 6](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3234278738r.jpg) ![3699 MOCA Drive - Photo 7](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3160629529r.jpg) ![3699 MOCA Drive - Photo 8](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3160629529r.jpg) ![3699 MOCA Drive - Photo 9](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2257897705r.jpg) ![3699 MOCA Drive - Photo 10](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2257897705r.jpg) ![3699 MOCA Drive - Photo 11](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2616778803r.jpg) ![3699 MOCA Drive - Photo 12](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f1068831568r.jpg) ![3699 MOCA Drive - Photo 13](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f155157533r.jpg) ![3699 MOCA Drive - Photo 14](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f1858570855r.jpg) ![3699 MOCA Drive - Photo 15](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f1858570855r.jpg) ![3699 MOCA Drive - Photo 16](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2834313391r.jpg) ![3699 MOCA Drive - Photo 17](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2834313391r.jpg) ![3699 MOCA Drive - Photo 18](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f1026818090r.jpg) ![3699 MOCA Drive - Photo 19](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3499106553r.jpg) ![3699 MOCA Drive - Photo 20](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3499106553r.jpg) ![3699 MOCA Drive - Photo 21](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2647419314r.jpg) ![3699 MOCA Drive - Photo 22](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3780818977r.jpg) ![3699 MOCA Drive - Photo 23](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2685561039r.jpg) ![3699 MOCA Drive - Photo 24](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2685561039r.jpg) ![3699 MOCA Drive - Photo 25](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2976693134r.jpg) ![3699 MOCA Drive - Photo 26](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3417738882r.jpg) ![3699 MOCA Drive - Photo 27](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3292744290r.jpg) ![3699 MOCA Drive - Photo 28](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f184192349r.jpg) ![3699 MOCA Drive - Photo 29](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3049669081r.jpg) ![3699 MOCA Drive - Photo 30](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3049669081r.jpg) ![3699 MOCA Drive - Photo 31](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2851560452r.jpg) ![3699 MOCA Drive - Photo 32](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2851560452r.jpg) ![3699 MOCA Drive - Photo 33](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f982161982r.jpg) ![3699 MOCA Drive - Photo 34](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f443093788r.jpg) ![3699 MOCA Drive - Photo 35](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f443093788r.jpg) ![3699 MOCA Drive - Photo 36](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f124852969r.jpg) ![3699 MOCA Drive - Photo 37](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f124852969r.jpg) ![3699 MOCA Drive - Photo 38](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2060447006r.jpg) ![3699 MOCA Drive - Photo 39](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2060447006r.jpg) ![3699 MOCA Drive - Photo 40](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f2544434031r.jpg) ![3699 MOCA Drive - Photo 41](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f231955660r.jpg) ![3699 MOCA Drive - Photo 42](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f231955660r.jpg) ![3699 MOCA Drive - Photo 43](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f3717221269r.jpg) ![3699 MOCA Drive - Photo 44](http://lh.rdcpix.com/b27821a9385fa1c491319899322e84c7l-f1930137811r.jpg) --- **MLS#:** O6418854 | **Updated:** 2026-10-29 **Source:** listhub *Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/3699-moca-drive-saint-cloud-fl-34772-daeccb9a579745069b303fb654e56ddf) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3699-moca-drive-saint-cloud-fl-34772-daeccb9a579745069b303fb654e56ddf#listing", "url": "https://www.propertysimple.ai/listing/3699-moca-drive-saint-cloud-fl-34772-daeccb9a579745069b303fb654e56ddf", "name": "3699 MOCA Drive, Saint Cloud, FL 34772", "description": "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 1/4 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. 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