1239 Chaparral Dr · The Villages, FL 32159

$280,000

2 bd · 2.0 ba · 1,216 sqft · SingleFamily public records · 86 Days on market

Built 1997 6,840 sqft lot Est $287k · at est. $204/mo HOA · 9% of rent

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Why this score? — see what drove the D 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 +11.8/30.0
• ARV discount +8.6/15.0
• Schools +5.2/10.0
• 1% rule +3.5/10.0
• DSCR +3.5/10.0
• Rent growth +3.5/5.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Bond paid for sought out ''DURANGO'' Ranch floor plan located in the Village of SANTIAGO with indoor outdoor Florida living . Spacious 2/2 split plan with 2 Car Garage, New 2023 ROOF and SOLAR PANELS, has a Florida room with tinted windows and separate AC unit and paved floors, in addition to STACKABLE Sliders PRIVATE Outdoor Patio with PERGOLA and PAVERS The Kitchen has STAINLESS APPLIANCES, GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. PAVER Driveway , attic stairs and storage in garage close to all Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages!

Key facts

• Updated cabinetry
• Granite countertops
• 6,840 sq ft lot

Tags

• RENOVATED PRIMARY SUITE
• CUSTOM WALK-IN SHOWER
• SPACIOUS WALK-IN CLOSET
• UPDATED CABINETRY
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES

Property features AI

Finance

• Other: Unfurnished; Public records used for living area and building area measurements
• Financial info: There are lease restrictions
• HOA & community: HOA (VCDD) with required monthly fee of $204; Total monthly fees $204; total annual fees $2,448; Senior community; Pets allowed

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single-family residence; One story; Northeast-facing; Residential zoning; Homestead exempt; CDD community
• Construction: Frame construction; Shingle roof; Slab foundation; Built on a 0.16-acre lot (approx. 72 x 95)
• Exterior features: Sliding doors; Paved road access

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Stone counters; Walk-in closet(s)
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $280k.

Deal economics

• At list price, monthly cash flow is $-74 ($-894/yr) — negative.
• To cash-flow at today's rent, offer at most $267k (4.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $239k (14.8% below list).
• Recommended offer: $239k (14.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; 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.
• Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); South Sumter Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 897 students, 61% FRL) — zoned schools average 68% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.0%/yr); 586 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
• At $2,386/mo this rent would consume 49% of the median local household income ($59k/yr) (locally 1047% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($263k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 9y ago; this cycle's ask has dropped $45k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $208k; 35% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $238,565 (14.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.85% ✗
• Cap rate: 5.97%
• Cash-on-cash: -1.14%
• DSCR: 0.95
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $286,976
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1404 Almanza Dr	0.18mi	2/2.0	1,234 (+2%)	3mo	$353,000	$286	86
1216 Chaparral Dr	0.19mi	2/2.0	1,239 (+2%)	3mo	$292,000	$236	86
1410 Almanza Dr	0.21mi	2/2.0	1,174 (-4%)	2mo	$305,000	$260	83
2109 Suarez Ct	0.28mi	2/2.0	1,248 (+3%)	3mo	$310,000	$248	80
1428 Almanza Dr	0.27mi	2/2.0	1,174 (-4%)	3mo	$299,900	$255	79
2107 Escobar Ave	0.19mi	2/2.0	1,143 (-6%)	3mo	$248,000	$217	78
2005 Claudio Ln	0.17mi	2/2.0	1,389 (+14%)	0mo	$317,000	$228	68
2027 Cipriano Pl	0.03mi	3/2.0 (+1)	1,392 (+14%)	3mo	$306,000	$220	67
2007 Claudio Ln	0.16mi	3/2.0 (+1)	1,392 (+14%)	4mo	$257,500	$185	60
1638 Duran Dr	0.75mi	2/2.0	1,179 (-3%)	3mo	$253,000	$215	58
1148 Chaparral Dr	0.31mi	3/2.0 (+1)	1,392 (+14%)	0mo	$465,000	$334	56
2117 Zaragoza Pl	0.59mi	2/2.0	1,344 (+10%)	5mo	$300,000	$223	51

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.03% rent growth · sell at horizon

5-year hold

• IRR: -17.0%
• Equity multiple: 0.39×
• Total profit: $-47,566
• Equity at exit: $41,749

10-year hold

• IRR: -7.1%
• Equity multiple: 0.53×
• Total profit: $-36,853
• Equity at exit: $24,209

Cash invested: $78,400 (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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32159

• Home prices YoY: -16.0%
• Rents YoY: 4.0%
• Active inventory: 586
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $2,386 high
• Mortgage (P&I): −$1,468
• Tax from tax record: −$170 /mo · $2,041/yr
• Insurance: −$117
• HOA: −$204
• Vacancy / Maint / Mgmt: −$501
• Net cashflow: $-74

Break-even live

Break-even rent $2,480

Max offer price $266,847

Occupancy floor 98%

Sensitivity live

Price	-10% $84	-5% $5	+0% $-74	+5% $-154	+10% $-233
Rent	-10% $-263	-5% $-169	+0% $-74	+5% $20	+10% $114
Rate	-1.0pp $67	-0.5pp $-3	base $-74	+0.5pp $-147	+1.0pp $-221

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: $70,000
• Closing costs: $8,400
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2006 Cardona Way Lady Lake, FL	2.0	2.0	1428	$3,900	$2.73	22d	1	0.24mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	22d	1	0.71mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	22d	1	1.11mi
2829 Burgos Dr The Villages, FL	2.0	2.0	1156	$1,850	$1.60	22d	1	1.18mi
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	23d	1	1.25mi
1129 Santa Cruz Dr The Villages, FL	2.0	2.0	1102	$2,350	$2.13	22d	1	1.26mi
722 Camino del Rey Dr Lady Lake, FL	3.0	2.0	1205	$2,000	$1.66	22d	1	1.32mi
1524 Martinez Dr Lady Lake, FL	2.0	2.0	1199	$2,095	$1.75	22d	1	1.33mi
2909 Meadow Lawn Ln The Villages, FL	2.0	2.0	1132	$4,300	$3.80	22d	1	1.33mi
1648 Belle Grove Dr The Villages, FL	2.0	2.0	1132	$4,250	$3.75	22d	1	1.34mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	23d	1	1.42mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	23d	1	1.47mi

HOA detail

• Monthly dues: $204 · $2,448/yr

Listing history 34 events

1. 2026-06-22
   days on market $280,000 Active 86 DOM
2. 2026-06-19
   days on market $280,000 Active 84 DOM
3. 2026-06-18
   days on market $280,000 Active 83 DOM
4. 2026-06-17
   days on market $280,000 Active 82 DOM
5. 2026-06-16
   days on market $280,000 Active 81 DOM
6. 2026-06-15
   days on market $280,000 Active 80 DOM
7. 2026-06-14
   days on market $280,000 Active 78 DOM
8. 2026-06-13
   days on market $280,000 Active 77 DOM
9. 2026-06-10
   days on market $280,000 Active 75 DOM
10. 2026-06-09
    days on market $280,000 Active 74 DOM
11. 2026-06-08
    days on market $280,000 Active 73 DOM
12. 2026-06-07
    days on market $280,000 Active 72 DOM
13. 2026-06-02
    days on market $280,000 Active 67 DOM
14. 2026-06-01
    days on market $280,000 Active 66 DOM
15. 2026-05-31
    days on market $280,000 Active 65 DOM
16. 2026-05-30
    days on market $280,000 Active 64 DOM
17. 2026-04-21
    price $300,000
18. 2026-04-08
    price $320,000
19. 2026-03-27
    listed $325,000 Active
20. 2025-10-28
    listed $290,000 Active 699-char remark

    Show marketing remark (699 chars)

    Bond paid for sought out ''DURANGO'' Ranch floor plan located in the Village of SANTIAGO with indoor outdoor Florida living . Spacious 2/2 split plan with 2 Car Garage, New 2023 ROOF and SOLAR PANELS, has a Florida room with tinted windows and separate AC unit and paved floors, in addition to STACKABLE Sliders PRIVATE Outdoor Patio with PERGOLA and PAVERS The Kitchen has STAINLESS APPLIANCES, GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. PAVER Driveway , attic stairs and storage in garage close to all Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages!

21. 2025-10-28
    historical 699-char remark

    Show marketing remark (699 chars)

    Bond paid for sought out ''DURANGO'' Ranch floor plan located in the Village of SANTIAGO with indoor outdoor Florida living . Spacious 2/2 split plan with 2 Car Garage, New 2023 ROOF and SOLAR PANELS, has a Florida room with tinted windows and separate AC unit and paved floors, in addition to STACKABLE Sliders PRIVATE Outdoor Patio with PERGOLA and PAVERS The Kitchen has STAINLESS APPLIANCES, GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. PAVER Driveway , attic stairs and storage in garage close to all Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages!

22. 2025-10-15
    historical $290,000 699-char remark

    Show marketing remark (699 chars)

    Bond paid for sought out ''DURANGO'' Ranch floor plan located in the Village of SANTIAGO with indoor outdoor Florida living . Spacious 2/2 split plan with 2 Car Garage, New 2023 ROOF and SOLAR PANELS, has a Florida room with tinted windows and separate AC unit and paved floors, in addition to STACKABLE Sliders PRIVATE Outdoor Patio with PERGOLA and PAVERS The Kitchen has STAINLESS APPLIANCES, GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. PAVER Driveway , attic stairs and storage in garage close to all Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages!

23. 2018-11-15
    soldstatus $208,000
24. 2018-11-07
    soldstatus $208,000 Sold 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

25. 2018-09-27
    status Pending 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

26. 2018-09-16
    status Active 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

27. 2018-08-12
    status Pending 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

28. 2018-08-12
    historical 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

29. 2018-08-10
    listed $215,000 Active 1559-char remark

    Show marketing remark (1559 chars)

    You’ll love the PRIVACY and many UPGRADES on this LOVELY FURNISHED “DURANGO” Ranch with NO BOND! This spacious 2/2 split plan with 2 Car Garage, has an ACRYLIC ENCLOSED LANAI (tinted windows) with a separate CLIMATE CONTROLLED SYSTEM! The Kitchen has STAINLESS APPLIANCES (including double oven), GRANITE COUNTERS, BREAKFAST BAR, CLOSET PANTRY and PULL-OUTS. Both Bathrooms feature GRANITE COUNTERS and the Master has a Spacious Walk-in Closet, Walk-in Shower and Tile Floors. The Guest Bath has a Tub/Shower combo. The Guest Bedroom has a BUILT-IN MURPHY BED and DESK, plus a Walk-in Closet. Both Bedrooms, Kitchen and Breakfast area have Laminate floors, with carpet in the Living and Dining Rooms. The STACKABLE Sliders open to a spacious CLIMATE CONTROLLED ENCLOSED LANAI with Pavers, and a wonderfully PRIVATE Outdoor Patio with PERGOLA and PAVERS. There are many other things you’ll love – ARCHITECTURAL SHINGLES, INSIDE LAUNDRY, New W/ D & Microwave, PAVER Drive, Palm Trees, Attic Stairs, Lots of cabinets & extra storage in the garage, and the A/C was replaced in ’08. Located in the Village of SANTIAGO, you are close to Major Shopping, Medical Facilities and all the wonderful amentities available only in The Villages! To view a 3-D Tour and Video Tour, click the "tour" buttons above the main photo. Tax line reflects property taxes only. CDD line reflects combination of maintenance assessment and fire district. NO BOND! BETTER HURRY - this wonderful home won't be on the market long!

30. 2017-08-10
    soldstatus $185,000
31. 2017-07-28
    soldstatus $185,000 Sold
32. 2017-07-14
    historical
33. 2017-07-14
    listed $189,000
34. 1997-10-08
    soldstatus $90,900

ⓘ 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: $2,041 · $170/mo
• Projected year-2 tax: $2,324 · $194/mo
• Expected delta: +$283/yr (+$24/mo · 13.9%)

ⓘ 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 ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,628
• − Mortgage interest: −$15,684
• − Property taxes: −$2,041
• − Insurance: −$1,400
• − Repairs & maintenance: −$2,290
• − Management: −$2,290
• − HOA: −$2,448
• − Depreciation: −$8,145
• Taxable loss: −$5,672
• Est. tax savings @ 24.0%: +$1,361
• After-tax cash flow: $468/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

Amenities F Commute F Cost of living B- Crime A+ Employment B+ Housing A Health & safety F User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: The Villages, FL
• County: Lake County · 364,602 people
• City population: 83,973
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 32,107
• Household income: $58,518
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 1047.0

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 (86%)
• Race & ethnicity: White 86% Hispanic / Latino 6% Two or more races 5% Black 4% Asian 1%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 3%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 1% Other Indo-European 1%

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: ▼ -45.24%
• Current HPI: 237.6208
• Rent YoY: ▲ 4.03%
• Metro: Orlando-Kissimmee-Sanford, 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

+230.0% since first listed

18 events — show timeline

• 2026-04-21 Price Changed $300,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-08 Price Changed $320,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-27 Listed $325,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-28 Listed $290,000 SCMLS
• 2025-10-28 Listing Removed — SCMLS
• 2025-10-15 Coming Soon $290,000 SCMLS
• 2018-11-15 Sold (Public Records) $208,000 Public Records
• 2018-11-07 Sold (MLS) $208,000 Stellar MLS as Distributed by MLS Grid
• 2018-09-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-09-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-08-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-08-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-08-10 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2017-08-10 Sold (Public Records) $185,000 Public Records
• 2017-07-28 Sold (MLS) $185,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-14 Listed $189,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 1997-10-08 Sold (Public Records) $90,900 Public Records

Property tax history

+2.4%/yr

Latest (2025): $2,041 · +1.3% YoY. Source: county tax records.