Skip to main content

Active - House for sale

3699 MOCA DRIVE, St. Cloud, FL

4 bds|3 bth|2,820 sqft

Facts & features

House Property type
143 days on Beycome
2017 Year built
$156 Price/Sqft.
2 car garage Parking
$99/mo HOA
11,761 sqft Lot size

Why you’ll love it

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.

Translating description...

Listings courtesy of COLDWELL BANKER REALTY as distributed by MLS GRID.

Listed by: Donnamarie Ebanks • donna.ebanks@gmail.com • COLDWELL BANKER REALTY

Co-listed by: COLDWELL BANKER REALTY

Source: Stellar MLS as distributed by MLS GRID, MLS#: O6418854 Stellar MLS as distributed by MLS GRID logo

Based on info available as of Nov 13, 2026 at 12:33 PM EST.

Come see by yourself

Affordability

$285,000$595,000
1%20%
0%90%
Discover how to buy smarter Book a call with our buying expert
Estimated monthly payment

$2,682/mo

  • Mortgage$2,225
  • Property tax$358
  • HOA fee
  • Homeowners insurance
Due at closing$349,800
Down payment held in escrow$88,000
Closing costs$6,600
beycome credit Est.$8,800

Beycome estimates only. Actual amounts and terms vary by lender and location.

Save Credit back

Make a winning offer, and get up to

$8,800 Credit back

Start an offer

Discover the neighborhood

Travel times

About Whaleys Creek Ph 1

Loading area overview…

This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Nov 13, 2026 at 12:33pm EST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$440,000 Listed price

Make a winning offer, and get up to

$8,800 Credit back

Make an offer