3551 SAXONY LANE, ST CLOUD, FL, 34772
Active148 days on marketListed Feb 26, 2026MLS #S5144677
About this home
3551 SAXONY LANE
Welcome to 3551 Saxony Lane, a beautifully cared-for, move-in ready 4-bedroom, 2-bath home on a desirable corner lot in St. Cloud. This home features a bright, open layout with a thoughtful split floor plan designed for both everyday living and entertaining. Tile and luxury vinyl flooring flow seamlessly throughout, adding a modern, low-maintenance touch. The heart of the home is the well-equipped kitchen, boasting 42" cabinets, granite countertops, stainless steel appliances, and plenty of storage ideal for cooking and casual dining. The spacious primary suite offers a private retreat with an oversized walk-in closet, dual-sink vanity, garden tub, walk-in shower, and separate water closet. Three additional bedrooms provide flexibility for family, guests, or a home office. Step outside to experience true Florida living in the large fenced backyard with a paver patio and pergola perfect for BBQs, morning coffee, or relaxing under the stars. With a 2-car garage, corner-lot location, and easy access to shopping, dining, schools, and major roadways, this home combines comfort, style, and convenience. Don’t miss your chance to make it yours!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,820
Sqft
0.2 ac
Lot size
2
Garage
2015
Year built
One
Levels
$217
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,974 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,974/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+7.1%
$/sqft vs St Cloud actives
$217 vs $221
Days on market
148 vs 33 typical
Where $217/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Mallard Pond
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Mallard Pond — neighborhood snapshot
Population
1,400
Median age
39
Median income
$94,697
Median home value
$352,507
Avg household
4
Households w/ children
146
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3551 SAXONY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$408,500
3681 DAYDREAM PLACE
4 bd · 2 ba · 1,841 sqft · $222/sqft · 92 DOM
Sold · Sep ’25$421,200
2515 WEST END DRIVE
4 bd · 2 ba · 1,843 sqft · $229/sqft · 82 DOM
Sold · Oct ’25$349,000
2481 DEER CREEK BOULEVARD
3 bd · 2 ba · 1,848 sqft · $189/sqft · 84 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3551 SAXONY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3551 SAXONY LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3551 SAXONY LANE FAQs
What would the monthly payment be for 3551 SAXONY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,974/mo — principal and interest, the actual property-tax bill, the $66/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3551 SAXONY LANE?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3551 SAXONY LANE?+
The most recent tax bill on record (2024) was $2,978. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3551 SAXONY LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $395,000, this home is listed about 7% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3551 SAXONY LANE?+
St. Cloud Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 WOLF'S CROSSING REALTY · Stephanie Florez. MLS #S5144677.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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