Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 4-bedroom, 3-bathroom single family at 3699 MOCA DRIVE in Saint Cloud, FL is listed for $460,000 ($163 per sqft). Built in 2017, the home offers 2,820 sqft of living space on a 0.27 acres lot.

Agent Description

Welcome to this beautifully maintained home located in the desirable community of Whaleys Creek in St. Cloud, 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 communities

Key Features

  • Built in 2017
  • 0.27 acre lot
  • Waterfront

Property Details

3 full
2017

Amenities

Waterfront

Monthly Cost Estimate

$2,460/mo

20% down · 6.5% · 30 years

Principal$333
Interest$1,993
Insurance$134

Estimates only. Actual payments may vary.

Location

3699 MOCA DRIVE

Saint Cloud, FL 34772

WHALEYS CREEK PH 1

Features & Amenities

Interior Features

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsStone CountersWalk-in Closet(s)Window Treatments

Exterior Features

Corner LotFencingRain GuttersSidewalkSliding Doors

Property Details

Flooring

CarpetTileTile - Ceramic

Construction

BlockStucco

Parking

GarageGarage - Attached

Heating

Electric (Heating)

Cooling

Central Air

Appliances

DishwasherDryerGarbage DisposerMicrowaveOven - ConvectionRangeRefrigeratorWasherWater - PurifierWater - Softener

Questions & Answers

This 4-bedroom, 3-bathroom single family at 3699 MOCA DRIVE is listed at $460,000 ($163/sqft). The estimated monthly payment is $1,993 based on 20% down at 6.5% interest.

Key features include: Built in 2017, 0.27 acre lot, Waterfront. Interior Features: Ceiling Fans(s), Eat-in Kitchen, High Ceilings. Exterior Features: Corner Lot, Fencing, Rain Gutters.

This property is listed by Donnamarie Ebanks and can be reached at 4075097154 or donna.ebanks@gmail.com.

DE

Donnamarie Ebanks

Agent at COLDWELL BANKER REALTY

(407) 509-7154

Listed by COLDWELL BANKER REALTY · View on Broker Site

MLS# O6418854· Source: listhub· Updated 1 days ago

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3699 MOCA DRIVE, Saint Cloud, FL 34772

Open this listing in: