3687 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3687 Moca Dr, Saint Cloud, FL 34772 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on File
Last Sale	$377,500 (Dec 2021)
Tax Bill	$6,077 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-0964-0001-3840`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-0964-0001-3840`
Alternative APN	`263035096400013840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	178 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3687 MOCA DR
City	SAINT CLOUD
State	FL
Zip	34772-8147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 384
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1
Legal Phase	1
Legal Tract	964
Legal Block	3840
Legal Lot Number	384
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-3840

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA
Aug 15, 2022	Warranty Deed, Transfer SELENE TITLE LLC
Feb 04, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 20, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Apr 10, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage STONEGATE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	2021195642
Deed Book / Page	6111 / 907
Last Transfer Date	Aug 11, 2022
Transfer Doc	0062682759
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Transaction Type	Mortgage
Record Updated	Sep 08, 2022
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062720744
Date	Aug 19, 2022
Book Page	6272/744
Instrument	2022127801

Lender

Name	ROYAL BANK OF CANADA
Type	Bank
Address	NEW YORK, NY 10281

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 15, 2022
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0062682759
Book / Page	6268 / 2759
Instrument Date	Aug 11, 2022
Instrument	2022124669
Transaction Type	Transfer
Record Updated	Sep 01, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056691185
Date	Feb 04, 2020
Book Page	5669/1185
Instrument	2020017739

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058140599
Date	Oct 16, 2020
Book Page	5814/599
Instrument	2020140127

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2021
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0061110907
Book / Page	6111 / 907
Map Reference	MB 24 PG 161-167
Instrument Date	Dec 06, 2021
Instrument	2021195642
Transaction Type	Transfer
Record Updated	Jan 03, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$2,642.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3687 MOCA DR, 3687, SAINT CLOUD, FL 34772-8147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2017
Property Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0051300552
Book / Page	5130 / 0552
Map Reference	MB24 PG161-167
Instrument Date	Apr 07, 2017
Instrument	2017053728
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,611.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3687 MOCA DR, SAINT CLOUD, FL 34772-8147

Mortgage

Document Number	0051300554
Date	Apr 10, 2017
Instrument	5130/0554

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,077.00 (+0.56%)	$339,300 (+3.67%) Land $70,000 Building $269,300	$339,300 (+3.67%) Land $70,000 Building $269,300
2024	$6,043.00 (+2.46%)
2023	$5,898.00 (+10.12%)	$327,300 (+10.2%) Land $65,000 Building $262,300	$327,300 (+10.2%) Land $65,000 Building $262,300
2022	$5,356.00	$297,000 Land $60,000 Building $237,000	$297,000 Land $60,000 Building $237,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 322 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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