David Ramirez
$845,0003 bd2.5 ba2,829 sqft$299 /sqft$5,758 /mo all-in ↓

728 CONGAREE LOOP, THE VILLAGES, FL, 32163

Active13 days on marketListed Jul 10, 2026MLS #G5114896

Single Family ResidenceVILLAGES/SUMTER UN 194

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

55+ community

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Washer
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationBlock
FacesSouthwest
ExteriorIrrigation System · Lighting · Sliding Doors

Community & fees

Taxes (2025)$8,661/yr
CommunityClubhouse · Fitness Center · Gated Community - No Guard · Golf Carts OK · Golf · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

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%

Principal & interest$4,560
PMI (est., until 20% equity)$317
Property tax — 2025 actual bill$722
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,500
Interest rate6.00%
Loan term

Estimated payment

$5,758/mo

Principal & interest$4,560
PMI (est., until 20% equity)$317
Property taxes (actual bill)$722
Est. insurance$160

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.

List $845K
$735KedgeAI estimate $786,879 · range $766K$839K$879K

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

103
131
83
26 · this home
25
32
$197–229$229–261$261–292$292–324$324–356$356+

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

Map of 728 CONGAREE LOOP

Drive times from this address

Downtown Orlando58 min
Universal Orlando61 min
Walt Disney World69 min
Orlando Int’l Airport (MCO)73 min

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

ElementaryWildwood Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The The Villages market

Seller’s marketLeans seller3.7 months of inventoryBuyer’s 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

Jul 10, 2026Listed at $845,000 · 13 days on market since
2017Built · VILLAGES/SUMTER UN 194

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.

554 SOCASTEE PLACESold · Jun ’26

$945,000

554 SOCASTEE PLACE · same community

3 bd · 2 ba · 2,316 sqft · $408/sqft · 98 DOM

4318 ST STEPHEN STREETSold · Nov ’25

$436,000

4318 ST STEPHEN STREET · same community

3 bd · 2 ba · 1,918 sqft · $227/sqft · 61 DOM

4878 CHITTY CHATTY RUNSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 728 CONGAREE LOOP — start here.

Andrew Acosta

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.

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.

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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