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$419,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 2 Full Baths
  • 1 Partial Bath
  • 2,518 Sq. Ft.
  • Updated 3 days ago
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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.

Full Property Details for 3540 Saxony Ln

General

  • Price: $419,900
  • HOA FEE: $67/month
  • Taxes: $3,778 (2025)
  • Status: Active
  • Type: Single Family
  • Source: MidFloridaRegionalMLS
  • MLS ID: O6439111
  • Updated: 9/3/2026
  • Added to Site: 3 day(s) ago

Rental Information

  • Min. Lease: 1 Month

Interior

  • Number of Rooms: 3
  • Interior Features: Ceiling Fan(s), High Ceilings, Kitchen and Family Room Combination, Open Floorplan, Other, Primary Bedroom Main Floor, Stone Counters
  • Appliances: Microwave, Range, Refrigerator
  • Furnishings: Unfurnished
  • Flooring: Tile

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 5

Other Rooms

  • Laundry: Laundry Room

Exterior

  • Exterior Features: Private Yard, Sidewalk, Sliding Doors
  • Deck/Patio: Covered, Rear Porch
  • Porch/Patio/Deck: Covered, Rear Porch

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Covered Spaces: 2
  • Parking Features: Garage Door Opener

Location

  • Area: 34772 - St Cloud (Narcoossee Road)
  • County: Osceola
  • Development Name: 34772 - St Cloud (Narcoossee Road)
  • Subdivision: MALLARD POND
  • Driving 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.
  • Direction Faces: North

School Information

  • Elementary School: St Cloud Elem
  • Middle School: St. Cloud Middle (6-8)
  • High School: Harmony High

Community

  • Community Name: 34772 - St Cloud (Narcoossee Road)
  • Community Features: Deed Restrictions, Park, Sidewalks
  • Association: Yes
  • Assoc. Name: Mallard Pond HOA c/o Vista Community Assoc Mgmt

Heating & Cooling

  • Cooling Type: Central Air
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: BB/HS Internet Available, Cable TV Available, Electricity Connected, Sewer Connected, Water Connected

Structural Information

  • Architectural Info: Traditional
  • Architectural Style: Traditional
  • Exterior Const.: Block, Stucco
  • Roof: Shingle
  • Stories/Levels: One
  • Square Feet: 2,518
  • Sq. Ft. Source: Public Records
  • Year Built: 2015

Lot Features

  • Property View: Trees/Woods
  • Lot Size (Acres): 0.2
  • Lot Size (Sq. Ft.): 8,712
  • Lot Size: 8712
  • Frontage: Street Paved
  • Street/Road Desc.: Paved, Asphalt

Financial Considerations

  • Association Fee: $67
  • Assoc Fee Freq.: Monthly
  • Assoc Fee Desc.: Required
  • Tax Amount: $3,778.74
  • Tax Year: 2025

Disclosures and Reports

  • Ownership: Fee Simple
  • Special Conditions: None
  • Legal Description: MALLARD POND PH 4B, PLAT BOOK 23, PAGES 1-4, LOT 560, PUBLIC RECORDS OF OSCEOLA COUNTY, FL
  • Flood Zone Info: A
  • APN: 272630018000015600
  • Property ID: 272630018000015600
  • Block/Lot/Section: 1

Listed by Encore Investment Realty

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Listing agent

— 3540 Saxony Ln —

  • Encore Investment Realty

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 3540 Saxony Ln

School District:Osceola County School District
NameGradesDistance
St. Cloud Elementary School
2701 Budinger Ave, St. Cloud, FL 34769
PK-52.9 mi
St. Cloud Middle School
1975 S Michigan Ave, St. Cloud, FL 34769
6-83.6 mi
Harmony High School
3601 Arthur J Gallagher Blvd, St. Cloud, FL 34771
9-128.8 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3540 Saxony Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/03/2026
Listed
$419,900
75.27%
MLS
4/24/2015
Sold
$239,575
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 3540 Saxony Ln

Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,779
4%
$253,988
3%
2024
$3,651
3%
$246,830
3%
2023
$3,557
5%
$239,641
6%
2021
$3,393
-1%
$225,886
-3%
2022
$3,434
1%
$232,662
4%
2021
$3,393
4%
$222,768
4%
2018
$3,275
-1%
$213,700
-2%
2019
$3,317
2%
$217,760
4%
2017
$3,255
2%
$209,305
2%
2016
$3,202
396%
$205,000
486%
2015
$645
15%
$35,000
25%
2014
$562
—
$28,000
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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with our affiliated lender
NMLS#: 1598647

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Listed by Encore Investment Realty

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3540 Saxony Lane, Saint Cloud, FL 34772 (MLS# O6439111) is a Single Family property with 5 bedrooms, 2 full bathrooms and 1 partial bathroom. 3540 Saxony Lane is currently listed for $419,900 and was received on September 03, 2026. Want to learn more about 3540 Saxony Lane? Do you have questions about finding other Single Family real estate for sale in Saint Cloud? You can browse all Saint Cloud real estate or contact a Coldwell Banker agent to request more information.

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