Osceola County property record for 3638 Moca Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,144 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $246,200 (2018) |
| Tax Bill | $3,689.00 (2025) |
| Primary APN | 352630096400013570 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,144 sqft Heated Area |
| Gross Area | 2,768 sqft Gross Area |
| 1st Floor | 2,144 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,970 sqft (0.16 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 220 sqft Patio |
| Porch | Open Porch |
| Porch Area | 204 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3638 MOCA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8148 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 357 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Lot Number | 357 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400013570
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 03, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PHH MORTGAGE SERVICES CORP |
| Jul 15, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 03, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage THE FEDERAL SAVINGS BANK |
| May 15, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 15, 2018 · Amount on Record |
| Deed Sale | May 15, 2018 · Amount on Record |
| Deed Doc Number | 2018076302 |
| Deed Book / Page | 5333 / 2158 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0064000467 |
|---|---|
| Date | May 03, 2023 |
| Book Page | 6400/467 |
| Instrument | 2023055295 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33416 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0060030495 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 6003/495 |
| Instrument | 2021110133 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057030157 |
|---|---|
| Date | Apr 03, 2020 |
| Book Page | 5703/157 |
| Instrument | 2020046350 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 15, 2018 |
| Property Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0053332158 |
| Book / Page | 5333 / 2158 |
| Map Reference | MB24 PG167 |
| Instrument Date | May 11, 2018 |
| Instrument | 2018076302 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,723.40 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3638 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 2018076303 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 2018076303 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,689.00 (+6.25%) Homeowner's exemption | $249,030 (+5.99%) | $366,300 (+3.45%) Land $70,000 Building $296,300 |
| 2023 | $3,472.00 (+3.61%) Homeowner's exemption | $234,964 (+3%) | $354,100 (+9.97%) Land $65,000 Building $289,100 |
| 2022 | $3,351.00 Homeowner's exemption | $228,121 | $322,000 Land $60,000 Building $262,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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