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Active - House for sale

3540 SAXONY LANE, St. Cloud, FL

5 bds|2 bth + 1 half|2,518 sqft

Facts & features

House Property type
73 days on Beycome
2015 Year built
$163 Price/Sqft.
2 car garage Parking
$67/mo HOA
8,712 sqft Lot size

Why you’ll love it

  • Conservation lot
  • Attached garage

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.

Translating description...

Listings courtesy of ENCORE INVESTMENT REALTY as distributed by MLS GRID.

Listed by: Desmond Pollock • Desmond@MyEncoreTeam.com • ENCORE INVESTMENT REALTY

Co-listed by: ENCORE INVESTMENT REALTY

Source: Stellar MLS as distributed by MLS GRID, MLS#: O6439111 Stellar MLS as distributed by MLS GRID logo

Based on info available as of Nov 13, 2026 at 12:33 PM EST.

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Affordability

$265,000$555,000
1%20%
0%90%
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Estimated monthly payment

$2,455/mo

  • Mortgage$2,073
  • Property tax$315
  • HOA fee
  • Homeowners insurance
Due at closing$325,871
Down payment held in escrow$81,980
Closing costs$6,149
beycome credit Est.$8,198

Beycome estimates only. Actual amounts and terms vary by lender and location.

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$8,198 Credit back

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Travel times

About Mallard Pond

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone A

In a FEMA Special Flood Hazard Area — flood insurance is typically required with a federally-backed mortgage.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Nov 13, 2026 at 12:33pm EST. 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.

$409,900 Listed price

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$8,198 Credit back

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