3540 Saxony Ln, photo 1
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Overview

5 bd3 ba2,518 sqft2 car garageSingle Family
TypeSingle Family
HOA$67/mo
Built2015
Lot8,712 sqft
Living area2,518 sqft
Price / sqft$163
Garage2 car

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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

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersPrivate YardSidewalk

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.

From the listing

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.

The essentials

Built
2015
Price / sqft
$163
On market
42 days
Annual tax
$3,779
HOA
$67/mo
Flood zone
A
Lot
8,712 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
2 car garage
Garage Door Opener
8,712 sqft lot
Lot size
2,518 sqft
Living area

Payment

Est. monthly payment
$2,725/mo
Down payment (20%)
$81,980
Property taxes
$315/mo
HOA
$67/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
8,712 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
42
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Private Yard
Sidewalk
Deed Restrictions
Park
Sidewalks
Microwave
Range
Refrigerator
Elementary
St Cloud Elem
Middle
St. Cloud Middle (6-8)
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone A
Annual Tax (2025)
$3,779
Parcel #
27-26-30-0180-0001-5600

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Mallard Pond
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
8,712 sqft
Conservation AreaFlood Insurance RequiredFloodZoneLevelPrivateSidewalkPaved
HOA
$67/mo
Mallard Pond HOA c/o Vista Community Assoc Mgmt

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #O6439111
$409,900-2.4%
$163/sqft
9/2/2026
Listed for sale
Source: Stellar MLS #O6439111
$419,900
$167/sqft

Neighborhood

3540 Saxony Ln
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $409,900
$407,500 – $409,900
99.5% – 100% of listTops out right at the list price
80% of listList price
236 of the last 382 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 42 after a $10,000 cut.

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 team

Calculator

Est. monthly payment
$2,725/mo
Principal & interest$2,138
Property taxes$315
Insurance$205
HOA$67
Down payment20% · $81,980
Interest rate6.80%
Loan term

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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?

Brokered byENCORE INVESTMENT REALTYListing agent: Desmond PollockListing data from Stellar MLS, MLS# O6439111.

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