RENTED DEC 19, 2025

3649 Moca Dr St. Cloud, FL 34772

Estimated Value: $363,000 - $436,000

3 Beds
2 Baths
1,972 Sq Ft
$203/Sq Ft Est. Value

Last Sold February 16, 2024

Last sale price $410,000 $208 Per Sq Ft

Est. 3% decrease in value since last sale

Current estimated payment $2,349/month

Highlights

  • Access To Pond
  • Home fronts a pond
  • Open Floorplan
  • CANOE CREEK K-8-0991 Rated 9+
  • Pond View
  • Bonus Room

About This Home

As of December 2025

Welcome to this BEAUTIFULLY UPDATED HOME located in the HIGHLY DESIRABLE WHALEYS CREEK community in Saint Cloud. This MOVE-IN READY property offers modern comfort, stylish finishes, and a fantastic location just minutes from shopping, dining, and major highways.
Inside, you’ll find ALL TILE FLOORING THROUGHOUT—NO CARPET anywhere—creating a clean, contemporary look and easy maintenance. The updated kitchen features GRANITE COUNTERTOPS, NEW STAINLESS STEEL APPLIANCES, and plenty of counter and cabinet space. A WASHER AND DRYER are also INCLUDED. There is also a LARGE BONUS ROOM. PERFECT FOR OFFICE, GAME ROOM, OR 4TH BEDROOM.
Relax and unwind in your SCREENED-IN PATIO overlooking a FULLY FENCED BACKYARD with a BREATHTAKING WATER VIEW—perfect for morning coffee or evening sunsets.
The Whaleys Creek neighborhood offers WONDERFUL COMMUNITY AMENITIES, including a BEAUTIFUL POOL and PARK area for residents to enjoy.
PETS ARE WELCOME! AVAILABLE IMMEDIATELY—don’t miss your chance to make this stunning home yours.

Last Agent to Rent the Property

Andrew Foster

KELLER WILLIAMS REALTY AT THE PARKS Brokerage Phone: 407-629-4420 License #3510152 Listed on: 10/09/2025

KELLER WILLIAMS REALTY AT THE PARKS

Last Renter's Agent

Andrew Foster

KELLER WILLIAMS REALTY AT THE PARKS Brokerage Phone: 407-629-4420 License #3510152 Listed on: 10/09/2025

KELLER WILLIAMS REALTY AT THE PARKS

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2017

Lot Details

  • 6,098 Sq Ft Lot
  • Home fronts a pond
  • Fenced
  • Metered Sprinkler System

Parking

  • 2 Car Attached Garage

Interior Spaces

  • 1,972 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • High Ceiling
  • Ceiling Fan
  • Sliding Doors
  • Living Room
  • Den
  • Bonus Room
  • Inside Utility
  • Pond Views

Kitchen

  • Convection Oven
  • Range with Range Hood
  • Microwave
  • Ice Maker
  • Dishwasher
  • Stone Countertops

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Laundry in unit
  • Dryer
  • Washer

Outdoor Features

  • Access To Pond
  • Enclosed Patio or Porch
  • Rain Gutters

Schools

  • Canoe Creek K-8 Elementary School
  • St. Cloud Middle School
  • Harmony High School

Utilities

  • Central Heating and Cooling System
  • Thermostat

Community Details

  • Property has a Home Owners Association
  • Speciality Management Co Association
  • Whaleys Creek Ph 1 Subdivision

Listing and Financial Details

  • Residential Lease
  • Security Deposit $2,450
  • Property Available on 10/9/25
  • The owner pays for grounds care
  • 12-Month Minimum Lease Term
  • $150 Application Fee
  • 6-Month Minimum Lease Term
  • Assessor Parcel Number 35-26-30-0964-0001-3700

Home Details

Home Type

Single Family

Year Built

Built in 2017

Lot Details

0

Parking

2

Rental Info

  • Furnished: Unfurnished
  • Lease Amount Frequency: Monthly
  • Pets Allowed: Cats OK, Dogs OK, Pet Deposit
  • Available Date: 2025-10-09
  • Terms Of Lease: 1st Last and Sec Dep Required,No Smoking,Security Deposit Required
  • Long Term YN: 1
  • Security Deposit: 2450
  • Pet Deposit Fee: 200

Listing Details

  • Property Type: Residential Lease
  • Property Sub Type: Single Family Residence
  • Living Area: 1972
  • Lot Size Acres: 0.14
  • New Construction: No
  • Year Built: 2017
  • Building Area Total: 2594
  • Lease Term: Twelve Months
  • Lot Size Sq Ft: 6098
  • Owner Pays: Grounds Care
  • Status: Leased
  • Building Area Total Srch Sq M: 240.99
  • Minimum Lease: 6 Months
  • RATIO Current Price By Calculate: 1.17
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 407-629-4420
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Stone Counters, Thermostat
  • Appliances Included: Convection Oven, Dishwasher, Dryer, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer
  • Total Bedrooms: 3
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Stories: 1
  • Additional Rooms: Bonus Room,Den/Library/Office,Inside Utility
  • Living Area Meters: 183.20

Exterior Features

  • Exterior Features: Rain Gutters, Sidewalk, Sliding Doors, Sprinkler Metered
  • Pool Private: No
  • View: Water
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
  • Road Surface Type: Asphalt
  • Water Access: Pond
  • Water View: Pond
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Electricity Connected, Sewer Connected, Sprinkler Meter
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association Name: Speciality Management Co
  • Association: Yes
  • Senior Community: No
  • Pet Restrictions: Pets are welcome! Just need landlord approval.
  • Association Fee Requirement: None

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00
  • Application Fee: 150

Schools

  • Elementary School: Canoe Creek K-8
  • High School: Harmony High
  • Middle Or Junior School: St. Cloud Middle (6-8)

Lot Info

  • Parcel Number: 35-26-30-0964-0001-3700
  • Fencing: Fenced
  • Lot Features: Sidewalk
  • Property Attached Yn: No

Multi Family

  • Waterfront Features: Pond

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 3, 2023
Closed on
Feb 16, 2024
Sold by
Whitfield Kimberly
Bought by
Foster Andrew M and Gatewood Mahri
Seller's Agent
Tawnie McMorrow
TIE TEAM REALTY LLC
Buyer's Agent
Andrew Foster
KELLER WILLIAMS REALTY AT THE PARKS
List Price
$419,900
Sold Price
$410,000
Premium/Discount to List
-$9,900
-2.36%
Views
51
Current Estimated Value
$399,334

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$10,666
Avg. Annual Appreciation
-1.39%
Original Mortgage
$410,000
Outstanding Balance
$401,962
Interest Rate
6.62%
Mortgage Type
New Conventional
Estimated Equity
-$2,628

Purchase Details

Listed on
Jan 6, 2021
Closed on
Feb 17, 2021
Sold by
Rehman Khaleel Hafeez Ur and Rehman Naureen
Bought by
Whitfield Brian and Whitfield Kimberly
Seller's Agent
Steven Pugh
EXP REALTY LLC
Buyer's Agent
Tawnie McMorrow
TIE TEAM REALTY LLC
List Price
$297,000
Sold Price
$298,000
Premium/Discount to List
$1,000
0.34%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.22%
Original Mortgage
$292,175
Interest Rate
2.65%
Mortgage Type
FHA

Purchase Details

Closed on
Dec 22, 2017
Sold by
Pulte Home Company Llc
Bought by
Ur Rehman Khaleel Hafeez and Rehman Naureen

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$178,653
Interest Rate
3.95%
Mortgage Type
New Conventional

Purchase Details

Closed on
Mar 1, 2016
Bought by
Pulte Home Corp
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Foster Andrew M $410,000 Land Title
Foster Andrew M $410,000 Land Title
Whitfield Brian $298,000 Core Title Services Llc
Whitfield Brian $298,000 Core Title Services
Ur Rehman Khaleel Hafeez $238,300 Pgp Titel Of Florida Inc
Pulte Home Corp $6,357,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Foster Andrew M $410,000
Closed Foster Andrew M $410,000
Previous Owner Whitfield Brian $292,175
Previous Owner Ur Rehman Khaleel Hafeez $178,653
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
12/19/2025 12/19/25 Rented $2,300 -6.1% --
10/20/2025 10/20/25 Price Changed $2,450 -2.0% $1 / Sq Ft
10/09/2025 10/09/25 For Rent $2,500 0.0% --
02/16/2024 02/16/24 Sold $410,000 +2.5% $208 / Sq Ft View Prior Sale
12/26/2023 12/26/23 Pending -- -- --
11/30/2023 11/30/23 Price Changed $399,900 -2.4% $203 / Sq Ft
11/20/2023 11/20/23 Price Changed $409,800 0.0% $208 / Sq Ft
11/03/2023 11/03/23 Price Changed $409,900 -2.4% $208 / Sq Ft
10/03/2023 10/03/23 For Sale $419,900 +40.9% $213 / Sq Ft
02/17/2021 02/17/21 Sold $298,000 +0.3% $151 / Sq Ft View Prior Sale
01/08/2021 01/08/21 Pending -- -- --
01/06/2021 01/06/21 For Sale $297,000 -- $151 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,153 $344,200 $70,000 $274,200
2024 $3,069 $218,949 -- --
2023 $3,069 $212,572 $0 $0
2022 $2,960 $206,381 $0 $0
2021 $3,976 $215,500 $50,000 $165,500
2020 $3,984 $214,300 $45,000 $169,300
2019 $3,929 $208,600 $40,000 $168,600
2018 $3,955 $207,900 $35,000 $172,900
2017 $678 $35,000 $35,000 $0
2016 $342 $17,500 $17,500 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: O6351364

Stellar MLS

APN: 35-26-30-0964-0001-3700