3688 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3688 Moca Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 2018
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$236,100 (Mar 2018)
Tax Bill	$3,441 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352630096400013320`

Property Details

APN / Parcel Number

Primary APN	`352630096400013320`

Interior

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

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	178 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3688 MOCA DR
City	SAINT CLOUD
State	FL
Zip	34772-8148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 332
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	332
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096400013320

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	3688 MOCA DR, SAINT CLOUD, FL 34772-8148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	2018044316
Deed Book / Page	5303 / 1274
Record Updated	Jun 08, 2026

March 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2018
Property Address	3688 MOCA DR, SAINT CLOUD, FL 34772-8148
Document Number	0053031274
Book / Page	5303 / 1274
Map Reference	MB24 PG161-167
Instrument Date	Mar 14, 2018
Instrument	2018044316
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.70
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	3688 MOCA DR, SAINT CLOUD, FL 34772-8148

Mortgage

Document Number	2018044317
Date	Mar 19, 2018
Instrument	2018044317

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$3,441.00 (+6.66%) Homeowner's exemption Disabled Person's exemption	$245,162 (+5.99%)	$345,700 (+3.57%) Land $70,000 Building $275,700
2023	$3,226.00 (-1.35%) Homeowner's exemption Disabled Person's exemption	$231,314 (+3%)	$333,800 (+10.02%) Land $65,000 Building $268,800
2022	$3,270.00 Homeowner's exemption Disabled Person's exemption	$224,577	$303,400 Land $60,000 Building $243,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

Based on FCC filings for 322 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.