Osceola County property record for 3647 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 2017 |
| Square Footage | 2,144 sqft Heated Area |
| Lot Size | 6,098 sqft (0.139 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $264,200 (2017) |
| Tax Bill | $3,773.00 (2025) |
| Primary APN | 352630096400013690 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,144 sqft Heated Area |
| Gross Area | 2,814 sqft Gross Area |
| 1st Floor | 2,144 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.139 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Porch | Open Porch |
| Porch Area | 250 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3647 MOCA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8147 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 369 |
| 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 | 369 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400013690
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 | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 05, 2023 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Jul 25, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Aug 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 29, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 29, 2017 · Amount on Record |
| Deed Sale | Nov 29, 2017 · Amount on Record |
| Deed Doc Number | 2017169164 |
| Deed Book / Page | 5245 / 1713 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0064351489 |
|---|---|
| Date | Jul 05, 2023 |
| Book Page | 6435/1489 |
| Instrument | 2023086347 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MIAMI, FL 33102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0062570546 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 6257/546 |
| Instrument | 2022113934 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060180400 |
|---|---|
| Date | Aug 06, 2021 |
| Book Page | 6018/400 |
| Instrument | 2021122328 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2017 |
| Property Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0052451713 |
| Book / Page | 5245 / 1713 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Nov 28, 2017 |
| Instrument | 2017169164 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,849.40 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 49014 VINELAND RD500, 49014, ORLANDO, FL 32811 |
| Name | Verified Name |
|---|---|
| Address | 3647 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 2017169165 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 2017169165 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
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 | $3,773.00 (+6.25%) Homeowner's exemption | $253,668 (+5.99%) | $360,000 (+3.63%) Land $70,000 Building $290,000 |
| 2023 | $3,551.00 (+3.59%) Homeowner's exemption | $239,339 (+3%) | $347,400 (+10.25%) Land $65,000 Building $282,400 |
| 2022 | $3,428.00 Homeowner's exemption | $232,368 | $315,100 Land $60,000 Building $255,100 |
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 100 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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