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3640 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3640 Moca Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage2,144 sqft Living Area
Lot Size7,405 sqft (0.17 acres)
OccupancyOwner Occupied
Last Sale$250,000 (2018)
Tax Bill$3,744.00 (2025)

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-3560
Alternative APN
  • 263035096400013560

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,144 sqft Living Area
Gross Area2,588 sqft Gross Area
1st Floor2,144 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.17 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage
Patio Area120 sqft Patio
Porch Area144 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3640 MOCA DR
CitySAINT CLOUD
StateFL
Zip34772-8148
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 356
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Block3560
Legal Lot Number356
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-3560

Assessment roll updated November 26, 2025 · Last verified August 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 Address3640 MOCA DR, SAINT CLOUD, FL 34772-8148
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 07, 2023Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MIDFIRST BANK
May 01, 2018Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 01, 2018 · Amount on Record
Deed SaleMay 01, 2018 · Amount on Record
Prior SaleMar 01, 2016 · Amount on Record
Deed Doc Number201869235
Deed Book / Page5326 / 101
Record RefreshedSep 20, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3640 MOCA DR, SAINT CLOUD, FL 34772-8148
Transaction TypeMortgage
Record UpdatedAug 31, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3640 MOCA DR, SAINT CLOUD, FL 34772-8148

Mortgage

Document Number0064530458
DateAug 07, 2023
Book Page6453/458
Instrument2023102138
Lender
NameMIDFIRST BANK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term297 Months
DueMay 01, 2048

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 01, 2018
Property Address3640 MOCA DR, SAINT CLOUD, FL 34772-8148
Document Number0053260101
Book / Page5326 / 0101
Map ReferenceMB24 PG161-167
Instrument DateApr 30, 2018
Instrument2018069235
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
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
Address3640 MOCA DR, SAINT CLOUD, FL 34772-8148

Mortgage

Document Number2018069236
DateMay 01, 2018
Instrument2018069236
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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$3,744.00 (+6.24%) Homeowner's exemption$252,074 (+5.99%)$357,200 (+3.6%) Land $70,000 Building $287,200
2023$3,524.00 (+3.59%) Homeowner's exemption$237,835 (+3%)$344,800 (+10.12%) Land $65,000 Building $279,800
2022$3,402.00 Homeowner's exemption$230,908$313,100 Land $60,000 Building $253,100

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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