Single Family Residence at 3540 SAXONY LN, ST CLOUD
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$419,900

3540 SAXONY LN
ST CLOUD, FL 34772
Listed by Desmond Pollock · ENCORE INVESTMENT REALTY
Bedrooms
5
Bathrooms
2.5
Living area
2,518 sqft
Year built
2015

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.

Property details

MLS #
MFRO6439111
Property type
Single Family Residence
Subdivision
MALLARD POND
Status
Active
Days on market
1
On market date
September 3, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.2 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
CANOE CREEK K-8
0.56 mi away · Grades -1-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,037
Student:teacher ratio
18.9:1
District
OSCEOLA
Middle
ST. CLOUD MIDDLE SCHOOL
3.58 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,188
Student:teacher ratio
16.1:1
District
OSCEOLA
High
ST. CLOUD HIGH SCHOOL
3.47 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,069
Student:teacher ratio
20.7:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

41
Somewhat walkable
out of 100
EPA National Walkability Index
7.5 / 20 -- Below average walkable
Google Places amenity density
45 / 100
Restaurants & cafes8
Grocery stores1
Parks0
Schools3
Transit stops0
Pharmacies1

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 1 days -- 109 fewer days than ST CLOUD's current average of 110 days.
For reference, the median list price across 1,878 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,679/mo
$83,980 down
$335,920 loan
Principal & interest$2,179
Property tax (est.)$350
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated September 4, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.