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3628 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3628 Moca Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,820 sqft · built 2017
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$281,300 (Mar 2017)
Tax Bill$6,985 (2025)
Deeds & MortgagesMar 2022 Mortgage
Mar 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN352630096400013620

Property Details

APN / Parcel Number

Primary APN352630096400013620

Interior

Bedrooms5 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,820 sqft Heated Area
Gross Area3,561 sqft
1st Floor Area1,634 sqft
Upper Floors Area1,186 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
Garage Area428 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area313 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3628 MOCA DR
CitySAINT CLOUD
StateFL
Zip34772-8148
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 362
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase1
Legal Tract964
Legal Lot Number362
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 352630096400013620

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3628 MOCA DR, SAINT CLOUD, FL 34772-8148
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2022Deed of Trust, Mortgage · FHA Mortgage
COMMUNITY LOAN SERVICING LLC
Mar 01, 2017Warranty Deed, Subdivision Related Transfer · FHA Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 01, 2017 · Amount on Record
Deed SaleMar 01, 2017 · Amount on Record
Deed Document Number2017032323
Deed Book / Page5109 / 0853
Record UpdatedJun 08, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3628 MOCA DR, SAINT CLOUD, FL 34772-8148
Transaction TypeMortgage
Record UpdatedApr 07, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3628 MOCA DR, SAINT CLOUD, FL 34772-8148

Mortgage

Document Number0061780453
DateMar 23, 2022
Book Page6178/453
Instrument2022046408
Lender
NameCOMMUNITY LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 01, 2052

March 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 01, 2017
Property Address3628 MOCA DR, SAINT CLOUD, FL 34772-8148
Document Number0051090853
Book / Page5109 / 0853
Map ReferenceMB24 PG161-167
Instrument DateFeb 27, 2017
Instrument2017032323
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$1,969.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3628 MOCA DR, SAINT CLOUD, FL 34772-8148

Mortgage

Document Number0051090855
DateMar 01, 2017
Instrument5109/0855
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$6,985.00 (+13.89%)$413,400 (+3.45%) Land $70,000 Building $343,400$413,400 (+3.45%) Land $70,000 Building $343,400
2023$6,133.00 (+9.99%)$399,600 (+10.2%) Land $65,000 Building $334,600$399,600 (+10.2%) Land $65,000 Building $334,600
2022$5,576.00$362,600 Land $60,000 Building $302,600$362,600 Land $60,000 Building $302,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force
33 of 36 on primary residences

Wildfire

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

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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