Osceola County property record for 3686 Moca Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,820 sqft Heated Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $495,000 (2022) |
| Tax Bill | $6,632.00 (2025) |
| Primary APN | 352630096400013330 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,820 sqft Heated Area |
| Gross Area | 3,561 sqft Gross Area |
| 1st Floor | 1,634 sqft 1st Floor |
| Upper Floors | 1,186 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,841 sqft (0.18 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 428 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 313 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3686 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 333 |
| 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 | 333 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400013330
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 | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 23, 2022 | Warranty Deed, Transfer OS NATIONAL LLC |
| Aug 04, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE INC |
| Dec 09, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jun 01, 2017 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | May 23, 2022 · Amount on Record |
| Deed Doc Number | 2022116774 |
| Deed Book / Page | 6260 / 856 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 29, 2022 |
| Property Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0062600856 |
| Book / Page | 6260 / 856 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | Jul 26, 2022 |
| Instrument | 2022116774 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,465.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0006260858 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 6260/858 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 23, 2022 |
| Property Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0062182408 |
| Book / Page | 6218 / 2408 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022080825 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,357.90 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6802 HOULTON CIR, WELLINGTON, FL 33467-8740 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 04, 2021 |
| Property Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0060161150 |
| Book / Page | 6016 / 1150 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | Aug 02, 2021 |
| Instrument | 2021120924 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,670.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10524 MOSS PARK RD # RD20464, 10524, ORLANDO, FL 32832-5898 |
| Name | Verified Name |
|---|---|
| Address | 209 RIVER BLUFF LN, ROYAL PALM BEACH, FL 33411-4215 |
| Document Number | 60161152 |
|---|---|
| Date | Aug 04, 2021 |
| Instrument | 6016/1152 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0058481545 |
|---|---|
| Date | Dec 09, 2020 |
| Book Page | 5848/1545 |
| Instrument | 2020167549 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 01, 2017 |
| Property Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0051571538 |
| Book / Page | 5157 / 1538 |
| Map Reference | MB24 PG161-167 |
| Instrument Date | May 31, 2017 |
| Instrument | 2017080319 |
| 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 | $2,080.40 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300 |
| Name | Verified Name |
|---|---|
| Address | 3686 MOCA DR, SAINT CLOUD, FL 34772-8148 |
| Document Number | 0051571540 |
|---|---|
| Date | Jun 01, 2017 |
| Instrument | 5157/1540 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 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 | $6,632.00 (-7.91%) Homeowner's exemption | $413,400 (+3.43%) Land $70,000 Building $343,400 | $413,400 (+3.43%) Land $70,000 Building $343,400 |
| 2023 | $7,202.00 (+24.67%) | $399,700 (+10.2%) Land $65,000 Building $334,700 | $399,700 (+10.2%) Land $65,000 Building $334,700 |
| 2022 | $5,777.00 Homeowner's exemption | $362,700 Land $60,000 Building $302,700 | $362,700 Land $60,000 Building $302,700 |
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 A, 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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