Osceola County property record for 3681 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 | 1,972 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Garage | Finished, 438 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,460.00 (2025) |
| Primary APN | 352630096400013810 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 2,468 sqft Gross Area |
| 1st Floor | 1,972 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 | 6,970 sqft (0.16 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Patio Area | 120 sqft Patio |
| Porch | Open Porch |
| Porch Area | 58 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3681 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 381 |
| 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 | 381 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400013810
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 |
|---|---|
| Mailing Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 26, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 20, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage THE FEDERAL SAVINGS BANK |
| Nov 22, 2017 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage PULTE MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 22, 2017 |
| Deed Sale | Nov 22, 2017 |
| Deed Doc Number | 2017167295 |
| Deed Book / Page | 5243 / 1952 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0063950736 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | 6395/736 |
| Instrument | 2023050951 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0060262127 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 6026/2127 |
| Instrument | 2021129407 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 22, 2017 |
| Property Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 0052431952 |
| Book / Page | 5243 / 1952 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2017167295 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE OF FLORIDA INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 3681 MOCA DR, SAINT CLOUD, FL 34772-8147 |
| Document Number | 2017167296 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 2017167296 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) 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 | $3,460.00 (+6.49%) Homeowner's exemption Widower's exemption | $241,186 (+5.99%) | $341,100 (+3.65%) Land $70,000 Building $271,100 |
| 2023 | $3,249.00 (+1.12%) Homeowner's exemption Widower's exemption | $227,563 (+3%) | $329,100 (+10.18%) Land $65,000 Building $264,100 |
| 2022 | $3,213.00 Homeowner's exemption Widower's exemption | $220,935 | $298,700 Land $60,000 Building $238,700 |
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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