For sale Home

Listed Jun 23, 2026

$440,000 Est. $2,910/mo

3699 Moca Drive

  • 4

    Beds

  • 3

    Baths

  • 2,820

    Sq ft

The story

  • Waterfront

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.

Facts & features

Home type

Home

Year built

2017

Floors

2

Price per sq ft

$156

HOA

$99 / monthly

Parking

2-car garage

Included features

  • Cooling

    Central Air

  • Heating

    Electric

  • Appliances

    Convection Oven, Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener

  • Flooring

    Carpet, Ceramic Tile

  • Roof

    Shingle

  • Lot Information

    Cleared, Corner Lot, Oversized Lot, Sidewalk

  • Exterior

    Rain Gutters, Sidewalk

  • Water Source

    Public

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$2,910 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,342
  • Property tax $440
  • Insurance $128

Includes principal, interest, taxes & insurance.

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Listing Broker

COLDWELL BANKER REALTY

Broker Name

COLDWELL BANKER REALTY

Agent

Donnamarie Ebanks