
728 CONGAREE LOOP, THE VILLAGES, FL, 32163
Active13 days on marketListed Jul 10, 2026MLS #G5114896
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 1:00 PM
About this home
728 CONGAREE LOOP
Custom Luxury Home | Gourmet Kitchen Suite | Private Guest Wing -- Situated on a corner parcel of just under a quarter acre in the highly desirable Village of Osceola Hills, this thoughtfully customized Extended Begonia was built in 2017. Offering 2,829 square feet of beautifully designed living space, it features three bedrooms, two full baths, one half bath, and an extended two-car plus golf cart garage. A covered front entry welcomes you home before opening to a refined foyer featuring board-and-batten millwork, crown molding, a lantern-style pendant, and elegant sight lines that draw you into the heart of the home. The living and dining spaces create an inviting setting for everything from intimate dinners to holiday celebrations. The open design allows each room to feel connected while maintaining its own character. Natural light, thoughtfully selected finishes, and plank tile flooring throughout the main living areas create warm, timeless atmosphere. At the center of the home is a chef’s kitchen designed for everyday living. Featuring ceiling-height cabinetry, a spacious center island, a peninsula with matching granite countertops, premium stainless steel appliances, and exceptional storage throughout, this space is as functional as it is beautiful. Just beyond the kitchen, a separate oversized laundry room offers extensive cabinetry and generous workspace, while an enormous walk-in pantry complete with a second refrigerator is conveniently located around the corner, creating a true working kitchen suite rarely found in The Villages. The adjoining family room offers a comfortable place to gather and unwind, while a dedicated office overlooks the screened lanai through a large sliding glass door and enjoys tranquil views of the landscaped yard. The primary suite is a true retreat with a spacious bedroom, a well-appointed spa-inspired bath featuring a stunning tiled Roman walk-in shower, dual vanities, and an oversized walk-in closet. A second private bedroom suite with its own full bath provides exceptional comfort and privacy for family or long-term guests, while the conveniently located half bath is ideal for visitors. Designed with comfort and elegance throughout, every detail has been thoughtfully planned for the way you live. Custom board-and-batten millwork, plantation shutters, crown molding, coordinated finishes, generous storage, and an exceptional floor plan reflect quality craftsmanship and careful attention to detail. Perfectly positioned just off Morse Boulevard between State Road 44 and County Road 466A, this exceptional home places you within easy reach of recreation, championship and executive golf, shopping, dining, and two of The Villages' most popular town squares. Whether you’re spending an evening enjoying live music at Brownwood Paddock Square or dining along the waterfront at Lake Sumter Landing, you’ll appreciate having so many of the community's favorite destinations just minutes away.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,829
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$299
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 — not generic estimates.
$5,758 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,758/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+7.4%
$/sqft vs The Villages actives
$299 vs $252
Days on market
13 vs 47 typical
Where $299/sqft sits among the 400 The Villages 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 The Villages
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know The Villages. See the full The Villages guide →
THE VILLAGES 32163 — neighborhood snapshot
Population
30,886
Median age
70.1
Median income
$94,565
Median home value
$472,600
Avg household
1.85
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The The Villages market
$355K → $335K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
209 of 400
The Villages actives have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the THE VILLAGES 32163 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 728 CONGAREE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$945,000
554 SOCASTEE PLACE · same community
3 bd · 2 ba · 2,316 sqft · $408/sqft · 98 DOM
Sold · Nov ’25$436,000
4318 ST STEPHEN STREET · same community
3 bd · 2 ba · 1,918 sqft · $227/sqft · 61 DOM
Sold · Jan ’26$910,000
4878 CHITTY CHATTY RUN
4 bd · 3 ba · 2,296 sqft · $396/sqft · 196 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 728 CONGAREE LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 728 CONGAREE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
728 CONGAREE LOOP FAQs
What would the monthly payment be for 728 CONGAREE LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,758/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 728 CONGAREE LOOP?+
The most recent tax bill on record (2025) was $8,661. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in The Villages?+
At $845,000, this home is listed about 125% above the The Villages median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 728 CONGAREE LOOP?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kimberly Volean. MLS #G5114896.
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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