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$419,900

3540 Saxony Lane

St Cloud, FL 34772

Listing updated: September 3, 2026 at 7:33 PM ET

Active

Listing courtesy of Encore Investment Realty · Desmond Pollock · MLS #O6439111 · Active · 407-334-8664

Beds

Baths

2,518

Sq Ft

0.2

Acres

2015

Built

◆$167/sqft◆360° tour

Single Family Residence

Property type

2015

Year built

8,712 sqft

Lot size

$167

Price / sq ft

$67/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

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.

Estimated monthly payment

Principal & interest$2,123

Property taxes$315

Home insurance (est.)$192

HOA dues$67

Down payment

20%

$83,980 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history0 days on market

Status: Active
Sep 3, 2026
Listed$419,900
Sep 3, 2026
Price increased$419,900

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: Mallard Pond
County: Osceola
Year built: 2015
Living area: 2,518 sq ft
Price/sq ft: $167
Building area: 3,115 sq ft (Public Records)
Lot size: 8,712 sq ft
Lot category: 0 to less than 1/4
Flood zone: A (12097C0260G)
Garage: 2 spaces
Annual taxes: $3,779 (2025)
Parcel #: 27-26-30-0180-0001-5600
Zoning: R-1B
MLS #: O6439111

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Interior Details

Bedrooms: 5
Full bathrooms: 2
Half bathrooms: 1
Flooring: Tile
Appliances: Microwave, Range, Refrigerator
Interior features: Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Other, Primary Bedroom Main Floor, Stone Counters
Laundry: Laundry Room
Stories / Levels: One
Direction faces: North

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Garage Door Opener

HOA & Financial

HOA fee: $67 / Monthly
Monthly HOA: $67/mo
Total monthly fees: $67/mo
Total annual fees: $804
HOA name: Mallard Pond HOA c/o Vista Community Assoc Mgmt
CDD: No
Homestead exemption: Yes
Min lease term: 1 Month
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Private Yard, Sidewalk
Construction materials: Block, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Water Connected

Community

Pets allowed: Cats OK, Dogs OK

Schools

ElementarySt Cloud ElemGreatSchools ↗

MiddleSt. Cloud Middle (6-8)GreatSchools ↗

High SchoolAHarmony HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Kitchen	First
Living Room	First
Primary Bedroom	First

Listing Details

Listing date: 2026-09-02
On market date: 2026-09-03
Original list price: $419,900
Occupant type: Owner
MLS area: 34772 - St Cloud (Narcoossee Road)
Listing AOR: Orlando Regional
Status changed: 2026-09-03
Tax legal description: MALLARD POND PH 4B, PLAT BOOK 23, PAGES 1-4, LOT 560, PUBLIC RECORDS OF OSCEOLA COUNTY, FL

Flood risk

High riskFEMA Zone APanel 12097C0260G

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

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.

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IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of September 3, 2026 at 7:33 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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