3435 Inverary Ave · The Villages, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +17.6/30.0
- ARV discount +11.1/15.0
- Appreciation +10.0/10.0
- DSCR +5.5/10.0
- Schools +5.2/10.0
- 1% rule +4.2/10.0
- Livability +3.5/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
$364,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
Key facts
- Upgraded landscaping
- New roof
- Enclosed lanai
Tags
Property features AI
Finance
- Financial info: Pets allowed
- HOA & community: Community clubhouse; Fitness center; Golf and golf course community; Game room; Community pool; Tennis courts
Exterior
- Parking: 2-car garage; Driveway; On-street parking; Garage door opener
- Security: Security guard
- Utilities: Public water; Public sewer; Cable available; Underground utilities
- Home design: Single-story home; Resale property; Faces west; Updated/remodeled
- Construction: Frame construction; Shingle roof
- Exterior features: Porch; Patio; Open patio/porch
Interior
- Kitchen: Dishwasher; Electric range; Disposal; Icemaker; Microwave; Refrigerator
- Bedrooms: Bedroom located on the main level
- Flooring: Carpet; Hardwood; Vinyl; Wood
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating; Central air conditioning; Ceiling fans
- Interior features: Bedroom on main level; First floor entry; Main level primary
- Laundry & utility: Washer; Dryer; Electric water heater; Utility room; Laundry room
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $365k.
Deal economics
- At list price, monthly cash flow is $289 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $337k (7.6% below list).
- Recommended offer: $337k (7.6% below list) — sets the bar for 1% rule.
- Cap rate 7.2% vs local median 5.0% in The Villages — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, housing A; Watch: amenities F, commute F, health & safety F.
- Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Market conditions: 265 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
- This rent runs 42% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $39k of equity ($3k loan paydown + $36k appreciation (10.0% local appreciation)).
- Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (10.0% appreciation + 3.0% rent growth), your $102k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$63k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
- 3 sale attempts; this cycle's ask has dropped $60k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.92% ✗
- Cap rate
- 7.24%
- Cash-on-cash
- 3.39%
- DSCR
- 1.15
- GRM
- 9.0
CMA / ARV
- ARV (on-the-fly)
- $396,333
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3394 Ridgewood Path | 0.08mi | 3/2.0 | 1,559 (-4%) | 5mo | $382,500 | $245 | 85 |
| 1393 Ducksbury St | 0.18mi | 3/2.0 | 1,574 (-4%) | 6mo | $380,000 | $241 | 81 |
| 1494 Walnut Way | 0.20mi | 3/2.0 | 1,625 (-0%) | 12mo | $394,300 | $243 | 80 |
| 3448 Inverary Ave | 0.04mi | 3/2.0 | 1,392 (-15%) | 3mo | $330,000 | $237 | 72 |
| 3632 Ukulele St | 0.45mi | 3/2.0 | 1,597 (-2%) | 5mo | $375,000 | $235 | 71 |
| 1309 Piney Woods Path | 0.56mi | 3/2.0 | 1,699 (+4%) | 8mo | $504,000 | $297 | 60 |
| 1143 Barrineau Pl | 0.60mi | 3/2.0 | 1,608 (-1%) | 14mo | $457,000 | $284 | 58 |
| 3198 Abana Path | 0.73mi | 3/2.0 | 1,665 (+2%) | 6mo | $370,000 | $222 | 57 |
| 1106 Hollyhock Way | 0.70mi | 3/2.0 | 1,536 (-6%) | 1mo | $369,900 | $241 | 57 |
| 3564 Nomad Ter | 0.66mi | 3/2.0 | 1,536 (-6%) | 12mo | $375,000 | $244 | 49 |
| 3009 Olenda Dr | 0.70mi | 3/2.0 | 1,851 (+14%) | 5mo | $418,000 | $226 | 41 |
| 3257 Kilarny Pl | 0.66mi | 3/2.0 | 1,392 (-15%) | 15mo | $350,000 | $251 | 32 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 26.7%
- Equity multiple
- 3.12×
- Total profit
- $217,090
- Equity at exit
- $328,731
- IRR
- 23.4%
- Equity multiple
- 7.11×
- Total profit
- $624,750
- Equity at exit
- $708,920
Cash invested: $102,172 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 32163
- Home prices YoY
- 9.8%
- Active inventory
- 265
- Price-to-rent
- 9.0×
Monthly cashflow live
- Estimated rent
- $3,371 high interval (Pro) →
- Mortgage (P&I)
- −$1,914
- Tax from tax record
- −$309 /mo · $3,705/yr
- Insurance
- −$152
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$708
- Net cashflow
- $289
Break-even live
Sensitivity live
| Price | -10% $495 | -5% $392 | +0% $289 | +5% $186 | +10% $82 |
|---|---|---|---|---|---|
| Rent | -10% $23 | -5% $156 | +0% $289 | +5% $422 | +10% $555 |
| Rate | -1.0pp $473 | -0.5pp $382 | base $289 | +0.5pp $194 | +1.0pp $98 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $91,225
- Closing costs
- $10,947
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 6 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3394 Ridgewood Path The Villages, FL | 3.0 | 2.0 | 1559 | $4,000 | $2.57 | 22d | 1 | 0.06mi |
| 3314 Abana Path Unit 1525266P The Villages, FL | 3.0 | 2.0 | 1571 | $1,770 | $1.13 | 22d | 1 | 0.62mi |
| 964 Wren St The Villages, FL | 2.0 | 2.0 | 1161 | $2,200 | $1.89 | 22d | 1 | 0.94mi |
| 3068 Islawild Way The Villages, FL | 3.0 | 2.0 | 1542 | $2,200 | $1.43 | 22d | 1 | 1.11mi |
| 2875 Rain Lily Loop The Villages, FL | 3.0 | 2.0 | 1965 | $4,490 | $2.28 | 22d | 1 | 1.30mi |
| 798 Journey Ln The Villages, FL | 3.0 | 2.0 | 1551 | $2,300 | $1.48 | 22d | 1 | 1.40mi |
Listing history 15 events
-
2026-06-01status $364,900 Pending 10 DOM
-
2026-05-31days on market $364,900 Active 10 DOM
-
2026-05-30days on market $364,900 Active 9 DOM
-
2026-05-08price $364,900 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-04-09price $369,000 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-04-03price $398,000 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-03-19price $399,000 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-03-18status Active 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-03-17price $404,000 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-02-19price $414,900 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-01-25$425,000 Active 1424-char remark
Show marketing remark (1424 chars)
One or more photo(s) has been virtually staged. Welcome to your own slice of paradise in the highly desirable Village of Fernandina! Perfectly positioned near golf, recreation, shopping, dining, and the vibrant lifestyle of Brownwood Paddock Square, this beautifully updated home offers the ideal blend of comfort, style, and easy Florida living. From the moment you arrive, you’ll appreciate the attractive curb appeal, upgraded landscaping, and inviting atmosphere. Inside, the home feels bright, fresh, and move-in ready with luxury vinyl flooring, elegant quartz countertops, and tasteful upgrades throughout. Designed for both relaxing and entertaining, the enclosed lanai with impact windows creates the perfect year-round retreat for morning coffee, evening wine, or gathering with friends and family. The open layout flows effortlessly and offers a warm, welcoming feel that truly makes this home stand out. Major updates provide peace of mind, including a newer HVAC system (2023), new roof, and gutters. The epoxy-coated garage floor adds a polished touch, while the overall care and maintenance of the home are evident throughout. * Whether you’re looking for a full-time residence, seasonal getaway, or lock-and-leave Florida retreat, this exceptional property delivers the lifestyle buyers dream about in The Villages. Experience the charm, convenience, and value of this beautiful home. Call today!
-
2026-01-07$364,900 Active
-
2024-02-07soldstatus $357,000
-
2020-01-02soldstatus $257,000
-
2014-06-10soldstatus $199,000
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast FL · Resets to sale price
- Current annual tax
- $3,705 · $309/mo
- Projected year-2 tax
- $3,705 · $309/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $40,453
- − Mortgage interest
- −$20,440
- − Property taxes
- −$3,705
- − Insurance
- −$1,824
- − Repairs & maintenance
- −$3,236
- − Management
- −$3,236
- − Depreciation
- −$10,615
- Taxable loss
- −$2,604
- Est. tax savings @ 24.0%
- +$625
- After-tax cash flow
- $4,091/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Sumter
- NCES district ID
- 1201800
- Math proficiency
- 61% ▼ -4.00%
- Reading proficiency
- 61% ▼ -2.00%
- Median HH income
- $48,240
- Composite
- 51.74/100
- National rank
- #1682
- State rank
- #11 of 73 in FL
Livability — The Villages
- Score
- 70/100
- State rank
- #431
- US rank
- #7363
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- The Villages, FL
- County
- Sumter County · 110,591 people
- City population
- 83,973
- Metro
- The Villages, FL
- Population (ZIP)
- 28,549
- Household income
- $96,775
- Rent vs Own
- Severe rent burden
- 307.0
Population outlook (Sumter County) Hauer SSP2
- Today (2025)
- 161,172 people
- By 2030
- 180,083 · +11.7%
- By 2040
- 209,892 · +30.2%
- By 2050
- 234,186 · +45.3%
- By 2075
- 284,602 · +76.6%
- By 2100
- 317,039 · +96.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (95%)
- Race & ethnicity
- White 95% Two or more races 2% Hispanic / Latino 2% Asian 1%
- Common ancestry
- Romanian 6% Lithuanian 3% Iranian 3%
- Foreign-born
- 6% · Canada, Vietnam
- Languages at home
- 96% English-only · Spanish 2% Vietnamese 1% Other Indo-European 0%
Political lean MEDSL · Sumter
- 2024 margin
- Solid R (+37.6) · D 30.9% · R 68.6%
- 2008→2024 swing
- -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
- All cycles
- 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 20.47%
- Current HPI
- 229.0075
- Rent YoY
- —
- Metro
- The Villages, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
||
| Insurance | 2 | $17B |
|
||
| Retail | 1 | $60B |
|
||
| Technology Distribution | 1 | $58B |
|
||
| Homebuilding | 1 | $35B |
|
||
| Technology Manufacturing | 1 | $35B |
|
||
Price history
+83.4% since first listed12 events — show timeline
- 2026-05-08 Price Changed $364,900 Stellar MLS as Distributed by MLS Grid
- 2026-04-09 Price Changed $369,000 Stellar MLS as Distributed by MLS Grid
- 2026-04-03 Price Changed $398,000 Stellar MLS as Distributed by MLS Grid
- 2026-03-19 Price Changed $399,000 Stellar MLS as Distributed by MLS Grid
- 2026-03-18 Relisted — Stellar MLS as Distributed by MLS Grid
- 2026-03-17 Price Changed $404,000 Stellar MLS as Distributed by MLS Grid
- 2026-02-19 Price Changed $414,900 Stellar MLS as Distributed by MLS Grid
- 2026-01-25 Listed $425,000 Stellar MLS as Distributed by MLS Grid
- 2026-01-07 Listed $364,900 MARMLS
- 2024-02-07 Sold (Public Records) $357,000 Public Records
- 2020-01-02 Sold (Public Records) $257,000 Public Records
- 2014-06-10 Sold (Public Records) $199,000 Public Records
Property tax history
+4.3%/yrLatest (2025): $3,705 · +25.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…