David Ramirez
$450,0003 bd2 ba1,731 sqft$260 /sqft$3,377 /mo all-in ↓

3602 PEPPERIDGE CIRCLE, THE VILLAGES, FL, 32163

Active3 days on marketListed Jul 22, 2026MLS #G5115338

Priced 6% below the THE VILLAGES 32163 medianSingle Family ResidenceVILLAGES/SUMTER

About this home

3602 PEPPERIDGE CIRCLE

Welcome to this beautifully maintained 3-bedroom, 2-bath Palm Beach 4 Designer home with a 556 SF EXPANDED GARAGE, ideally located in the highly sought-after VILLAGE OF LABELLE SOUTH. Perfectly located, this exceptional home is just a 1-minute walk to the Adult Pool and only a 5-minute stroll to Belle Glade Country Club, offering the ideal blend of convenience and lifestyle. A newer roof (2025), new sod, newly painted interior and fresh landscaping provide outstanding curb appeal, making this home truly move-in ready. Step inside to a light-filled, open floor plan enhanced by vaulted ceilings, luxury laminate flooring in the living room, hall and bedrooms, tile throughout the remaining areas—no carpet anywhere! The spacious kitchen is designed for both everyday living and entertaining, featuring Beautiful cabinetry with pull-out shelves, pot drawers, a large breakfast bar, and STAINLESS STEEL appliances (the Refrigerator and Oven are approximately two years old)). The open-concept living and dining area flows seamlessly to the triple stacking sliding door leading to the expanded south facing covered and screened lanai complete with a privacy electric roll-down shade and new epoxy-coated floor. Just outside is a large paver patio with a sitting wall that is the perfect space for grilling, relaxing, sunning, or entertaining family and friends. The spacious Primary Bedroom offers a beautiful tray ceiling, a large walk-in closet, an ensuite bathroom with dual sinks, a private water closet, and a tiled Roman walk-in shower with a seat. The 2 guest suites and guest bath are located on the opposite side of the home giving your guests plenty of privacy. Additional features include an inside laundry room with a utility cabinet sink, overhead cabinetry, a large storage closet along with another storage closet in the hallway. The laundry room has direct access to the OVERSIZED GARAGE with an epoxy-coated floor. This home features lots of storage and closet space. This home also features a Pegasus home water softener system. The 2018 Yamaha gas golf cart is available separately, making it even easier to enjoy The Villages lifestyle. Conveniently located near championship golf, recreation centers, pools, shopping, dining, medical facilities, and nightly entertainment, this meticulously maintained home offers the perfect combination of comfort, style, and location. Be sure to watch the video tour to fully appreciate everything this exceptional home has to offer!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,731

Sqft

0.18 ac

Lot size

2

Garage

2016

Year built

One

Levels

$260

Per sqft

55+ community

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Open Floorplan · Split Bedroom
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationSlab
FacesNorth
ExteriorIrrigation System

Community & fees

Taxes (2025)$4,423/yr
PetsCats OK, Dogs OK
CommunityDog Park · Gated Community - Guard · Gated Community - No Guard · Golf Carts OK · Golf · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Public · Sewer Connected · Water Available
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.

$3,377 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$369
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,377/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$369
Est. insurance$160

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.

List $450K
$402KedgeAI estimate $435,376 · range $419K$444K$468K

vs edgeAI estimate

+3.4%

$/sqft vs VILLAGES/SUMTER

$260 vs $261

Days on market

3 vs 47 typical

Where $260/sqft sits among the 29 homes for sale in VILLAGES/SUMTER

16 · this home
9
1
1
0
2
$208–267$267–325$325–384$384–443$443–502$502+

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 3602 PEPPERIDGE CIRCLE

Drive times from this address

Downtown Orlando62 min
Universal Orlando65 min
Walt Disney World72 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)

14 of 29

VILLAGES/SUMTER have cut their price

Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 6% below the THE VILLAGES 32163 median. See the full The Villages market guide →

Paper trail

This home's history

Jul 22, 2026Listed at $450,000 · 3 days on market since
2016Built · VILLAGES/SUMTER

Reality check

What actually sold near 3602 PEPPERIDGE CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1936 PALO ALTO AVENUESold · Jul ’26

$392,500

1936 PALO ALTO AVENUE · same community

3 bd · 2 ba · 1,715 sqft · $229/sqft · 44 DOM

1273 OAK FOREST DRIVESold · Sep ’25

$360,000

1273 OAK FOREST DRIVE · same community

3 bd · 2 ba · 1,662 sqft · $217/sqft · 171 DOM

1273 FORT LAWN LOOPSold · Dec ’25

$342,500

1273 FORT LAWN LOOP · same community

3 bd · 2 ba · 1,623 sqft · $211/sqft · 16 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 3602 PEPPERIDGE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3602 PEPPERIDGE CIRCLE — 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

3602 PEPPERIDGE CIRCLE FAQs

What would the monthly payment be for 3602 PEPPERIDGE CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,377/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 3602 PEPPERIDGE CIRCLE?+

The most recent tax bill on record (2025) was $4,423. 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 3602 PEPPERIDGE CIRCLE?+

The listing reports pets: Cats OK, Dogs OK. 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 The Villages?+

At $450,000, this home is listed about 20% 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 3602 PEPPERIDGE CIRCLE?+

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 · Victoria Vos. MLS #G5115338.

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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