3540 SAXONY LANE Saint Cloud, FL $ 419,900
3540 SAXONY LANE
$ 419,900
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3540 SAXONY LANE

Saint Cloud, FL, 34772
$ 419,900
Bedrooms5 Baths2.1 Sq 2,518

Monthly Estimate*

$ 2,651

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Single Family Home for sale in Saint Cloud, FL

for $419,900 with 5 bedrooms and 2 full baths, 1 half bath. This 2,518 square foot home was built in 2015 on a lot size of 0.2.

Space, separation, and a St. Cloud address that actually works for a commute. Built in 2015, this one-story block-and-stucco home delivers 2,518 heated square feet - Five bedrooms, two and a half baths, and a two-car attached garage - on a 0.20-acre conservation homesite in Mallard Pond. The layout gives you genuine room to spread out rather than square footage that only looks good on paper, and at ten years young the major systems are still well within their service life. Mallard Pond is a deed-restricted community with a neighborhood park, tucked off Old Canoe Creek Road where St. Cloud still feels like St. Cloud. Zoned for St. Cloud Elementary, St. Cloud Middle, and Harmony High. Downtown St. Cloud is roughly ten minutes out, US-192 and Kissimmee about fifteen, and the Florida Turnpike keeps the rest of Central Florida within easy commuting range. Schedule your private showing today.

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Single Family Active

Price

$ 419,900

Bedrooms

5

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 3,778

Style

Traditional

Lot Size

0.2

Year Built

2015

Town/City

Saint Cloud

County/Region

Osceola

MLS | Web ID

O6439111

Features
General
Sewer Public Sewer
Heating Central Electric
Cooling Central Air
Utilities BB/HS Internet Available Cable Available Electricity Connected Sewer Connected Water Connected
Roof Shingle
Appliances Microwave Range Refrigerator
Zoning R-1B
HOA Fee 67
Garage Spaces 2
Patio/Porch Features Covered Rear Porch
Architectural Style Traditional
Construction Materials Block Stucco
Pets Allowed Cats OK Dogs OK
Year Built 2015
View Trees/Woods
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Community Features Deed Restrictions Park Sidewalks
Assoc Fee Paid Per Monthly
County Osceola
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name MALLARD POND
Facing Direction North
Garage Y/N true
Total Rooms 3
Full Baths 2
Status Active
Directions From US-192 in St. Cloud turn south on Vermont Avenue then right onto Old Canoe Creek Road. Turn into Mallard Pond on Mallard Pond Blvd then onto Saxony Lane. Home is on the south side of Saxony Lane.
High School Harmony High
City ST CLOUD
Association Name Mallard Pond HOA c/o Vista Community Assoc Mgmt
Senior Community Y/N false
MLS Area 34772 - St Cloud (Narcoossee Road)
Lot Size Units Square Feet
Lot Size Square Feet 8712
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Elementary School St Cloud Elem
Property Attached Y/N false
Land Lease Y/N false
Tax Annual Amount 3778.74
Home Warranty Y/N false
Middle/Junior High School St. Cloud Middle (6-8)
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/O6439111
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 560
Legal Description MALLARD POND PH 4B PLAT BOOK 23 PAGES 1-4 LOT 560 PUBLIC RECORDS OF OSCEOLA COUNTY FL
Minimum Lease 1 Month
Water Access Y/N false
Monthly HOA Amount 67
Water View Y/N false
Flood Zone Code A
In Law Suite YN false
DockY/N false
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Interior
Interior Amenities Ceiling Fan(s) High Ceilings Kitchen/Family Room Combo Open Floorplan Other Primary Bedroom Main Floor Stone Counters
Flooring Tile
Furnished Y/N Unfurnished
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 1
Laundry Features Laundry Room
Total Bedrooms 5
Total Baths 3
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Exterior
Exterior Amenities Private Yard Sidewalk Sliding Doors
Parking Features Garage Door Opener
Lot Features Conservation Area Flood Insurance Required FloodZone Level Private Sidewalk
Water Source Public
Lot Size Area 8712
Foundation Details Slab
Spa false
Building Area Total 3115
Lot Size Acres 0.2
Road Surface Type Paved Asphalt
Private Pool false
Waterfront Y/N false
Covered Spaces 2
Road Frontage Type Street Paved
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* Excluded Features
List By
Encore Investment Realty

Broker

Desmond@MyEncoreTeam.com

Email

Affordability Calculator

$2,966
Per Month
89%
11%
0%
Monthly Principal & Interest
$2,651
Monthly Property Taxes
$315
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
Harmony High High School High School
Pricing History
DatePricePrice ChangeDescription
9/3/2026$419,900 Listed Price

Map


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3540 SAXONY LANE, Saint Cloud, FL, 34772 is a Single Family Home for sale at $419,900 with 2,518 sqft and a lot size of 0.2. 3540 SAXONY LANE has 5 bedrooms, 2.1 baths, and was built in 2015. The property's zip code is 34772 which is in Saint Cloud, FL