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3610 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3610 Moca Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage2,144 sqft Living Area
Lot Size6,969 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$419,000 (2024)
Tax Bill$5,563.00 (2025)

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-4000
Alternative APN
  • 263035096400014000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,144 sqft Living Area
Gross Area2,606 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 Area6,969 sqft (0.16 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage
Patio Area120 sqft Patio
Porch Area42 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3610 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 400
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Block4000
Legal Lot Number400
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2013
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4000

Assessment roll updated November 26, 2025 · Last verified July 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 Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2023Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Dec 11, 2019Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
PENNYMAC
Nov 27, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Jul 02, 2018Loan Modification, Mortgage
PENNYMAC
Mar 02, 2017Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 13, 2024 · Amount on Record
Deed SaleMay 13, 2024 · Amount on Record
Prior SaleMar 02, 2017 · Amount on Record
Deed Doc Number202463137
Deed Book / Page6599 / 1680
Record RefreshedSep 20, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
Transaction TypeMortgage
Record UpdatedJul 17, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146

Mortgage

Document Number0064331508
DateJun 29, 2023
Book Page6433/1508
Instrument2023084734
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term480 Months
DueJun 01, 2063

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0056472630
Instrument DateDec 11, 2019
Transaction TypeMortgage
Record UpdatedJan 17, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3610 MOCA DR ST CLOUD FL 347728146, ST CLOUD, FL 34772-8146

Mortgage

Document Number0056472630
DateDec 27, 2019
Book Page005647/002630
Instrument167664
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueDec 26, 2049
Interest
Rate3.87%

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0056441789
Instrument DateNov 27, 2019
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3610 MOCA DR ST CLOUD FL 347728146, ST CLOUD, FL 34772-8146

Mortgage

Document Number0056441789
DateDec 20, 2019
Book Page005644/001789
Instrument165305
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 19, 2049

July 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0053910560
Instrument DateJul 02, 2018
Transaction TypeMortgage
Record UpdatedSep 12, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address3610 MOCA DR ST CLOUD FL 347728146, ST CLOUD, FL 34772-8146

Mortgage

Document Number0053910560
DateAug 27, 2018
Book Page005391/000560
Instrument129773
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
AmountAmount Recorded
Term360 Months
DueAug 26, 2048
Interest
Rate TypeFixed Rate
Rate3.75%

March 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 02, 2017
Property Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146
Document Number0051101661
Book / Page5110 / 1661
Map ReferenceMB24 PG161-167
Instrument DateFeb 28, 2017
Instrument2017033345
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,773.80
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
Address3610 MOCA DR, SAINT CLOUD, FL 34772-8146

Mortgage

Document Number0051101663
DateMar 02, 2017
Instrument5110/1663
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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$5,563.00 (+58.49%)$353,700 (+49.21%) Land $70,000 Building $283,700$353,700 (+3.57%) Land $70,000 Building $283,700
2023$3,510.00 (+3.6%) Homeowner's exemption$237,045 (+3%)$341,500 (+10.13%) Land $65,000 Building $276,500
2022$3,388.00 Homeowner's exemption$230,141$310,100 Land $60,000 Building $250,100

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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