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Beautifully Maintained 2 Story home with lower level primary bedroom ensuite.
Front Covered Porch to display your lovely plants.
1 / 44

3699 Moca DriveSt Cloud, FL, 34772

4beds
3baths
2,820sqft
Single Family Residence
Built in 2017
$99 Monthly HOA Fee
$440,000
For sale
$460,000−$20,000 (4%)Reduced Oct 23, 2026
Price per sqft
$156
Days on market
137
Listed
Jun 23
MLS #O6418854Updated Oct 23, 2026

About this property

Welcome to this beautifully maintained home located in the desirable community of Whaleys Creek in St. Cloud, with LOW HOA AND NO CDD, situated on over ¼ acre with a fully fenced backyard. This spacious home offers 4 bedrooms, 3 remodeled full bathrooms, and a versatile open floor plan designed for comfortable living and entertaining*

Enjoy the added charm of being located across from a small lake, offering beautiful sunset views and refreshing summer breezes. The community lap pool is conveniently located just a short walk across the street.*

Upon entry, you’ll find a formal living room that can easily serve as an office, den, or flex space. The primary suite is conveniently located on the lower level, while three additional generously sized bedrooms are upstairs along with a huge bonus room—perfect for a second family room, game room, media space, or play area.*

The main living areas feature ceramic tile throughout the lower level, 10-foot ceilings, double-pane insulated windows, and elegant wrought iron stair railing. The gourmet kitchen boasts stainless steel appliances, abundant cabinetry, a walk-in pantry, a large island with a single deep-bowl sink, and a spacious dining area large enough to accommodate a table for 12—ideal for gatherings and entertaining.*

This gently lived-in and meticulously cared-for home includes numerous upgrades, including a 2025 ROOF, NEW VINYL FENCING, reverse osmosis drinking water system, and a WHOLE-HOME softener/purification system.*

Step outside to enjoy the large backyard with endless possibilities for outdoor living, play, gardening, or creating your own private retreat. This home offers the perfect combination of space, comfort, upgrades, and a desirable location in one of St. Cloud’s sought-after communitie within minutes to Florida Turnpike making easy commutes to the Airport, Tampa, Amusement Parks and Downtown Orlando.

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Gaby, Property Specialist
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Property details

Property type
Single Family Residence
Street address
3699 Moca Drive
City
St Cloud
State
FL
ZIP code
34772
Year built
2017
New construction
No
Faces
East
Rooms
10
Building stories
2
Living area
2,820 sqft
Total building area
3,301 sqft
Architectural style
Traditional
Levels
Two

Stellar MLSThe data relating to real estate displayed on this website comes in part from the Internet Data Exchange (IDX) Program of Stellar MLS. All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; the availability of any listing should always be independently verified. Listing information is provided for consumers' personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law.Stellar (MFR) data last updated at November 7, 2026 at 2:45 PM EST

Price & sale history

Asking price reduced by $20,000 (4.3%) since first listed.

EventPrice
Price reducedMLS #O6418854$440,000Change: −4.3%−$20,000
Listed for saleMLS #O6418854$460,000
History may be incomplete.
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Location

Beautifully Maintained 2 Story home with lower level primary bedroom ensuite.
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