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3699 MOCA DRIVE

House For Sale
$460,000

BTC: 7.16626881

ETH: 260.92776839

New
Waterfront
4 bds
3 ba
2,820 sqft

Overview

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

Location

Details

Type:
Residential
Parking:
No Data
Year Built:
2017
Lot:
0.27 Acres
Heating:
Electric
Price/sqft:
$163
Cooling:
Central Air
HOA:
$99

Valuation

Our model vs. what's actually selling nearby.
Estimate
$460,000
$343K – $539K
Confidence Low
List vs. estimate
At estimate
List $460,000 · +0.0%
List is in line with recent comparable activity.
Price per sq ft
$163
-26.1% vs. city median $220
Based on
9 MLS comparables
Median of recent comparable listings. Sold comps use closing price, active listings use list price.

Highlights

Annual tax
$4,292
2025
HOA
$99/mo
Community Pool
View
Water
Waterfront
Pond
Garage
2 car garage
Pets
Allowed
All facts and features
  • Flooring

    • Carpet

    • Ceramic Tile

    Heating

    • Electric

    Cooling

    • Central Air

    Appliances

    • Convection Oven

    • Dishwasher

    • Disposal

    • Dryer

    • Kitchen Reverse Osmosis System

    • Microwave

    • Range

    • Refrigerator

    • Washer

    • Water Filtration System

    • Water Purifier

    • Water Softener

    Other interior features

    • Ceiling Fan(s)

    • Eating Space In Kitchen

    • High Ceilings

    • Kitchen/Family Room Combo

    • Open Floorplan

    • Primary Bedroom Main Floor

    • Solid Surface Counters

    • Solid Wood Cabinets

    • Stone Counters

    • Walk-In Closet(s)

    • Window Treatments

    Bedrooms and bathrooms

    • Bedrooms: 4

    • Full bathrooms: 3

  • Property

    • Levels: Two

    • Exterior Features: Irrigation System / Rain Gutters / Sidewalk / Sliding Doors

    Lot

    • Lot: 0.27 Acres

    Other Property Information

    • Parcel Number: 352630096400014050

    • Zoning: R-1

  • Type and style

    • Property Type: Residential

    • Property Sub Type: Single Family Residence

  • Utility

    • BB/HS Internet Available

    • Public

    • Street Lights

    Green energy

    • Insulation

    • Windows

  • Other financial information

    • HOA: $99

    • HOA Frequency: Monthly

    • Annual tax amount: $4,293

  • Source details

    • MLS ID: O6418854

    Other facts

    • Construction Materials: Block / Stucco

    • Foundation Details: Slab

    • Laundry Features: Laundry Room

    • Lot Features: Cleared / Corner Lot / Oversized Lot / Sidewalk

    • Patio And Porch Features: Covered / Front Porch

    • Window Features: Double Pane Windows / Thermal Windows

    • Direction Faces: East

    • Architectural Style: Traditional

    • Waterfront: Yes

    • Garage Spaces: 2

    • Attached Garage: Yes

    • Garage: Yes

    • Living Area: 2820

    • Water Source: Public

    • Lot Size Dimensions: 145 x 67

    • Subdivision Name: WHALEYS CREEK PH 1

Private inquiry
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The multiple listing information is provided by the Stellar MLS from a copyrighted compilation of listings. The compilation of listings and each individual listing are ©2026-present Stellar MLS. All Rights Reserved. The information provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Listing courtesy of: COLDWELL BANKER REALTY