Osceola County property record for 3651 Moca Dr, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,591 sqft Living Area |
| Lot Size | 9,147 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $30,000 (2026) |
| Tax Bill | $4,188.00 (2025) |
| Primary APN | 35-26-30-0964-0001-3710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,591 sqft Living Area |
| Gross Area | 3,070 sqft Gross Area |
| 1st Floor | 1,070 sqft 1st Floor |
| Upper Floors | 1,521 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,147 sqft (0.21 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Patio Area | 3,500 sqft Patio |
| Porch Area | 38 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3651 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 371 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 3710 |
| Legal Lot Number | 371 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-3710
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FIRST AMERICAN TITLE |
| Jul 16, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Feb 10, 2026 | Trustee's Deed, Foreclosure |
| Aug 02, 2017 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage SOUTHWEST FUNDING LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 10, 2026 · Amount on Record |
| Deed Sale | Feb 10, 2026 · Amount on Record |
| Prior Sale | Aug 02, 2017 · Amount on Record |
| Deed Doc Number | 202617880 |
| Deed Book / Page | 6920 / 891 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0000093526 |
| Book / Page | 7005 / 902 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202693526 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0000093526, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 7005/902 |
| Instrument | 202693526 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Aug 01, 2047 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0068202595 |
|---|---|
| Date | Jul 16, 2025 |
| Book Page | 6820/2595 |
| Instrument | 2025089028 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 265 Months |
| Due | Aug 01, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 10, 2026 |
| Property Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0069200891 |
| Book / Page | 6920 / 891 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 2026017880 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 02, 2017 |
| Property Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0051882011 |
| Book / Page | 5188 / 2011 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 2017112157 |
| 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 | $1,932.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300 |
| Name | Verified Name |
|---|---|
| Address | 3651 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0051882013 |
|---|---|
| Date | Aug 02, 2017 |
| Instrument | 5188/2013 |
| Name | SOUTHWEST FUNDING LP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $4,188.00 (+6.13%) Homeowner's exemption | $276,906 (+5.99%) | $404,400 (+3.19%) Land $70,000 Building $334,400 |
| 2023 | $3,946.00 (+13.36%) Homeowner's exemption | $261,266 (+11.03%) | $391,900 (+15.84%) Land $65,000 Building $326,900 |
| 2022 | $3,481.00 Homeowner's exemption | $235,307 | $338,300 Land $60,000 Building $278,300 |
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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