Beautifully Maintained 2 Story home with lower level Primary Bedroom. - 3699 MOCA DR, ST CLOUD
Amazing Sunsets to enjoy daily! - 3699 MOCA DR, ST CLOUD
Front Covered Porch to display your lovely plants. - 3699 MOCA DR, ST CLOUD
Gently lived in Kitchen ready for your creations. - 3699 MOCA DR, ST CLOUD
Kitchen Open to the Family Room - 3699 MOCA DR, ST CLOUD
One Bowl Stainless Sink and Stainless Appliances. - 3699 MOCA DR, ST CLOUD
Excellent Counter Space, walk in Pantry. - 3699 MOCA DR, ST CLOUD
Sliders to the back porch. - 3699 MOCA DR, ST CLOUD
Tile Backsplash and granite countertops, wood Cabinets with crown molding. - 3699 MOCA DR, ST CLOUD
Large Prep Island perfect for entertainment. - 3699 MOCA DR, ST CLOUD
Family Room open to the kitchen. - 3699 MOCA DR, ST CLOUD
Family Room with hallway to the Primary Suite - 3699 MOCA DR, ST CLOUD
Perfect Size Dining off the Kitchen. - 3699 MOCA DR, ST CLOUD
Sliders outside off the Dining Area. - 3699 MOCA DR, ST CLOUD
Formal Living off the foyer. Lake Views! - 3699 MOCA DR, ST CLOUD
Formal Living, Office or Den. - 3699 MOCA DR, ST CLOUD
Community pool just steps away. - 3699 MOCA DR, ST CLOUD
Large Open Porch - 3699 MOCA DR, ST CLOUD
Plenty of space for outdoor entertainment. - 3699 MOCA DR, ST CLOUD
New roof 2026. - 3699 MOCA DR, ST CLOUD
2nd Full Bathroom first floor. - 3699 MOCA DR, ST CLOUD
Remodeled first floor bathroom. - 3699 MOCA DR, ST CLOUD
Wonderfull Size Vanity in the Primary EnSuite. - 3699 MOCA DR, ST CLOUD
Virtually staged. - 3699 MOCA DR, ST CLOUD
Remodeled Primary EnSuite Shower with Linen closet and Spacious Walk-in Closet. - 3699 MOCA DR, ST CLOUD
1st Floor Primary Bedroom. - 3699 MOCA DR, ST CLOUD
Oversized Interior Laundry Room. Lower Level. - 3699 MOCA DR, ST CLOUD
Wrought Iron stairway. - 3699 MOCA DR, ST CLOUD
Giant Bonus Room Virtually Staged - 3699 MOCA DR, ST CLOUD
Giant Bonus Room Virtually Staged - 3699 MOCA DR, ST CLOUD
Good Sized Secondary upstairs Bedroom, walk-in closet - 3699 MOCA DR, ST CLOUD
3rd bedroom - 3699 MOCA DR, ST CLOUD
3rd Bedroom walk-in closet - 3699 MOCA DR, ST CLOUD
3rd Bedroom/Office with walk-in closet. virtually staged - 3699 MOCA DR, ST CLOUD
4th Bedroom walk-in closet. - 3699 MOCA DR, ST CLOUD
4th Bedroom with walk-in closet. virtually staged - 3699 MOCA DR, ST CLOUD
Endless options for your backyard patio. - 3699 MOCA DR, ST CLOUD
Long Driveway fits 4 vehicles. - 3699 MOCA DR, ST CLOUD
Lots of space in this vinyl fenced yard. - 3699 MOCA DR, ST CLOUD
1/4 acre of well maintained landscaping. - 3699 MOCA DR, ST CLOUD
Third full Bathroom upper level. Excellent counter pace. - 3699 MOCA DR, ST CLOUD
Remodeled 2nd Floor Bathroom. - 3699 MOCA DR, ST CLOUD
Lakeviews front the living room and 2nd Floor! - 3699 MOCA DR, ST CLOUD
Lakefront views! - 3699 MOCA DR, ST CLOUD
Serene water views and breeze from this pond front property. - 3699 MOCA DR, ST CLOUD
45 photos

$460,000

3699 MOCA DR
ST CLOUD, FL 34772
Listed by COLDWELL BANKER REALTY
Bedrooms
4
Bathrooms
3
Living area
2,820 sqft
Year built
2017

About this home

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.

Highlights

Waterfront

Property details

MLS #
MFRO6418854
Property type
Single Family Residence
Subdivision
WHALEYS CREEK PH 1
Status
Active
Days on market
49
On market date
June 23, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.27 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
CANOE CREEK K-8
0.55 mi away · Grades -1-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,037
Student:teacher ratio
18.9:1
District
OSCEOLA
Middle
ST. CLOUD MIDDLE SCHOOL
3.77 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,188
Student:teacher ratio
16.1:1
District
OSCEOLA
High
ST. CLOUD HIGH SCHOOL
3.73 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,069
Student:teacher ratio
20.7:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

26
Car-dependent
out of 100
EPA National Walkability Index
6.2 / 20 -- Below average walkable
Google Places amenity density
18 / 100
Restaurants & cafes1
Grocery stores0
Parks2
Schools1
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 49 days -- 63 fewer days than ST CLOUD's current average of 112 days.
For reference, the median list price across 1,876 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,920/mo
$92,000 down
$368,000 loan
Principal & interest$2,387
Property tax (est.)$383
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 11, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.