

Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
Open house
Saturday, Oct 17 · 11:00 AM to 2:00 PM
About this home
3540 Saxony Ln is a 2015-built home in Mallard Pond, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,518 square feet of living space. Listed at $409,900 (about $163/sqft), 42 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $67 monthly.
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.
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
Sample: 382 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
Talk through an offer with our teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$409,900
$163 per sq ft
Beds and baths
5 beds, 3 baths
Size
2,518 sq ft
Time on market
42 days
Year built
2015
Monthly payment
About $2,725/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,779 annual tax bill, insurance, and the $67/mo HOA fee.
HOA fee
$67/mo
Managed by Mallard Pond HOA c/o Vista Community Assoc Mgmt.
Flood zone
Zone A
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
Offer
What should I offer?
Have another question?
Keep exploring Florida
Pick up where you left off, or see what else is out there.







