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3608 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3608 Moca Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage2,144 sqft Living Area
Lot Size6,534 sqft (0.15 acres)
OccupancyOwner Occupied
Last Sale$305,000 (2021)
Tax Bill$5,291.00 (2024)

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-4010
Alternative APN
  • 263035096400014010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,144 sqft Living Area
Gross Area2,726 sqft Gross Area
1st Floor2,144 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,534 sqft (0.15 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage
Porch Area342 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3608 MOCA DR
CitySAINT CLOUD
StateFL
Zip34772-8146
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 401
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Lot Number401
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2013
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4010

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
BANK NATIONAL ASSOCIATION
Apr 21, 2021Warranty Deed, Transfer · Veterans Administration Mortgage
CTC MORTGAGE COMPANY LLC
Feb 21, 2020Quit Claim Deed, Transfer · Veterans Administration Mortgage
CLEARPATH LNDG
Apr 18, 2017Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 21, 2021 · Amount on Record
Deed SaleApr 21, 2021 · Amount on Record
Prior SaleFeb 21, 2020
Deed Doc Number202160955
Deed Book / Page5941 / 875
Prior Transfer DateFeb 13, 2020
Prior Transfer Doc0056781649
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 28, 2026
Property Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0000098079
Book / Page7010 / 825
Instrument DateJul 21, 2026
Instrument202698079
Transaction TypeMortgage
Record UpdatedAug 05, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146

Mortgage

Document Number0000098079,
DateJul 28, 2026
Book Page7010/825
Instrument202698079
Lender
NameBANK NATIONAL ASSOCIATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 01, 2046
Interest
Rate TypeFixed Rate
Rate6.49%
Initial TypeFixed Rate
Max Rate-1%

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 21, 2021
Property Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0059410875
Book / Page5941 / 875
Map ReferenceMB 24 PG 161-167
Instrument DateApr 13, 2021
Instrument2021060955
Transaction TypeTransfer
Record UpdatedMay 12, 2021
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3608 MOCA DR, 3608, SAINT CLOUD, FL 34772-8146

Transferred To (Grantee/Buyer)

NameVerified Name
Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146

Mortgage

Document Number5941877
DateApr 21, 2021
Instrument5941/877
Lender
NameCTC MORTGAGE COMPANY LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 21, 2020
Property Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0056781649
Book / Page005678 / 001649
Instrument DateFeb 13, 2020
Instrument26028
Transaction TypeTransfer
Record UpdatedMar 23, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3608 MOCA DR ST CLOUD FL 347728146, ST CLOUD, FL 34772-8146

Mortgage

Document Number56781652
DateFeb 21, 2020
Book Page005678/001652
Instrument26029
Lender
NameCLEARPATH LNDG
AddressIRVINE, CA 92618
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term432 Months
DueFeb 20, 2056

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 18, 2017
Property Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0051332190
Book / Page5133 / 2190
Map ReferenceMB24 PG161-167
Instrument DateApr 14, 2017
Instrument2017057363
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,868.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

NameVerified Name
Address3608 MOCA DR, SAINT CLOUD, FL 34772-8146

Mortgage

Document Number0051332192
DateApr 18, 2017
Instrument5133/2192
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,471.00 (+3.4%) Homeowner's exemption$348,568 (+5.99%)$364,300 (+3.55%) Land $70,000 Building $294,300
2024$5,291.00 (+2.46%)
2023$5,164.00 (+3.38%) Homeowner's exemption$328,879 (+3%)$351,800 (+10.18%) Land $65,000 Building $286,800
2022$4,995.00 Homeowner's exemption$319,300 Land $60,000 Building $259,300$319,300 Land $60,000 Building $259,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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