Osceola County property record for 3656 Moca Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,820 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $284,300 (2017) |
| Tax Bill | $4,067.00 (2024) |
| Primary APN | 35-26-30-0964-0001-3480 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,820 sqft Living Area |
| Gross Area | 3,301 sqft Gross Area |
| 1st Floor | 1,634 sqft 1st Floor |
| Upper Floors | 1,186 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 | 13,939 sqft (0.32 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 428 sqft Garage |
| Patio Area | 140 sqft Patio |
| Porch Area | 53 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3656 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 348 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 3480 |
| Legal Lot Number | 348 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-3480
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3656 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 06, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Nov 07, 2017 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 07, 2017 · Amount on Record |
| Deed Sale | Nov 07, 2017 · Amount on Record |
| Prior Sale | Mar 01, 2016 · Amount on Record |
| Deed Doc Number | 2017159393 |
| Deed Book / Page | 5236 / 137 |
| Last Transfer Date | May 14, 2025 |
| Transfer Doc | 0068161491 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3656 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0056402251 |
| Instrument Date | Dec 06, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3056 MOCA DR ST CLOUD FL 34772, ST CLOUD, FL 34772 |
| Document Number | 0056402251 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 005640/002251 |
| Instrument | 162313 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 07, 2017 |
| Property Address | 3656 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0052360137 |
| Book / Page | 5236 / 0137 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Nov 06, 2017 |
| Instrument | 2017159393 |
| 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 | $1,990.10 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3656 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0052360139 |
|---|---|
| Date | Nov 07, 2017 |
| Instrument | 5236/0139 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $4,208.00 (+3.47%) | $278,027 (+5.99%) | $402,300 (+3.37%) Land $70,000 Building $332,300 |
| 2024 | $4,067.00 (+2.57%) | ||
| 2023 | $3,965.00 (+3.52%) Homeowner's exemption | $262,323 (+3%) | $389,200 (+10.13%) Land $65,000 Building $324,200 |
| 2022 | $3,830.00 Homeowner's exemption | $254,683 | $353,400 Land $60,000 Building $293,400 |
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 A, 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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