3645 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3645 Moca Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$258,100 (Feb 2018)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352630096400013680`

Property Details

APN / Parcel Number

Primary APN	`352630096400013680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Heated Area
Gross Area	2,708 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3645 MOCA DR
City	SAINT CLOUD
State	FL
Zip	34772-8147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 368
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	368
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096400013680

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	3645 MOCA DR, SAINT CLOUD, FL 34772-8147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2018 · Amount on Record
Deed Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	2018024810
Deed Book / Page	5285 / 0449
Record Updated	Jun 08, 2026

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 13, 2018
Property Address	3645 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0052850449
Book / Page	5285 / 0449
Map Reference	MB24 PG161-167
Instrument Date	Feb 08, 2018
Instrument	2018024810
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 MOCA DR, SAINT CLOUD, FL 34772-8147

Mortgage

Document Number	2018024811
Date	Feb 13, 2018
Instrument	2018024811

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,040.00 (+13.96%)	$357,900 (+3.62%) Land $70,000 Building $287,900	$357,900 (+3.62%) Land $70,000 Building $287,900
2023	$5,300.00 (+9.96%)	$345,400 (+10.14%) Land $65,000 Building $280,400	$345,400 (+10.14%) Land $65,000 Building $280,400
2022	$4,820.00	$313,600 Land $60,000 Building $253,600	$313,600 Land $60,000 Building $253,600

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

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.