3691 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3691 Moca Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2016
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,666 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-0964-0001-3860`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-0964-0001-3860`
Alternative APN	`263035096400013860`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	2,606 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	42 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3691 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 386
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1
Legal Phase	1
Legal Tract	964
Legal Block	3860
Legal Lot Number	386
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-3860

Assessment roll updated November 26, 2025 · Last verified August 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	3691 MOCA DR, SAINT CLOUD, FL 34772-8147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 11, 2020
Deed Sale	Aug 11, 2020
Prior Sale	Dec 05, 2016 · Amount on Record
Deed Document Number	2020105166
Deed Book / Page	5771 / 2731
Prior Transfer Date	Aug 01, 2020
Prior Transfer Doc	0057712731
Record Updated	Sep 20, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2020
Property Address	3691 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0057712731
Book / Page	5771 / 2731
Map Reference	MB 24 PG 161-167
Instrument Date	Aug 01, 2020
Instrument	2020105166
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	WFG LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3691 MOCA DR, SAINT CLOUD, FL 34772-8147

Mortgage

Document Number	0057712734
Date	Aug 11, 2020
Instrument	5771/2734

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 21, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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	$3,666.00 (+3.5%) Homeowner's exemption	$247,736 (+5.99%)	$350,200 (+3.52%) Land $70,000 Building $280,200
2024	$3,542.00 (+2.67%)
2023	$3,450.00 (+3.6%) Homeowner's exemption	$233,743 (+3%)	$338,300 (+10.23%) Land $65,000 Building $273,300
2022	$3,330.00 Homeowner's exemption	$226,935	$306,900 Land $60,000 Building $246,900

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 500 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 33 of 36 on primary residences

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.