3697 Moca Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3697 Moca Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2016
Square Footage	2,144 sqft Heated Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$250,800 (2016)
Tax Bill	$3,765.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`352630096400014040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,144 sqft Heated Area
Gross Area	2,806 sqft Gross Area
1st Floor	2,144 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	500 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	162 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3697 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 404
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	404
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2013
Census Tract	43304

Owner

Source: Osceola County records · APN 352630096400014040

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	3697 MOCA DR, SAINT CLOUD, FL 34772-8147
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2016 · Amount on Record
Deed Sale	Dec 21, 2016 · Amount on Record
Deed Doc Number	2016188627
Deed Book / Page	5074 / 2415
Record Refreshed	Jun 08, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3697 MOCA DR, SAINT CLOUD, FL 34772-8147
Document Number	0056341112
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3697 MOCA DR ST CLOUD FL 347728147, ST CLOUD, FL 34772-8147

Mortgage

Document Number	0056341112
Date	Dec 04, 2019
Book Page	005634/001112
Instrument	157052

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Dec 03, 2049

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	$3,765.00 (+6.24%) Homeowner's exemption	$253,230 (+5.99%)	$356,200 (+3.43%) Land $70,000 Building $286,200
2023	$3,544.00 (+3.6%) Homeowner's exemption	$238,927 (+3%)	$344,400 (+10.14%) Land $65,000 Building $279,400
2022	$3,421.00 Homeowner's exemption	$231,968	$312,700 Land $60,000 Building $252,700

Flood & Wildfire

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

Flood

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 500 ft

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; lenders make the official flood determination.