David Ramirez
Pending
$669,900$717,8003 bd2 ba1,994 sqft$336 /sqft$4,849 /mo all-in ↓

2140 BILLER CIRCLE, THE VILLAGES, FL, 32163

Pending167 days on marketListed Feb 18, 2026MLS #O6383599

Reduced $48KWaterfrontSingle Family ResidenceSOUTHERN OAKS UN 18

About this home

2140 BILLER CIRCLE

**WATERFRONT ** ROOM FOR A POOL ** LARGE GLASS-ENCLOSED CLIMATE-CONTROLLED LANAI ** OVERSIZED 2-CAR + GOLF CART AIR CONDITIONED GARAGE ** $100,000+ IN DESIGNER UPGRADES ** SOME FURNISHINGS AVAILABLE ** MOTIVATED SELLER ** BUYER'S AGENTS WELCOME! Enjoy the best of waterfront living in this expanded Iris model located in the desirable Village of McClure. Beautifully positioned with water views and enhanced with more than $100,000 in designer upgrades, this meticulously maintained home features an exceptional blend of upgraded finishes, generous living space, and Florida lifestyle appeal. Previously owned by an interior decorator, this exceptional home showcases over $100,000 in thoughtful upgrades, including luxury plank flooring, crown molding, custom trim, plantation shutters, custom closets, solar tubes, designer lighting, fresh professional paint, and countless details that elevate both style and comfort. The spacious open floor plan is designed for entertaining and everyday living, featuring a dramatic tray ceiling, an inviting living area, and a versatile flex space that easily serves as a dining room, home office, reading nook, or hobby area. At the heart of the home, the gourmet kitchen impresses with quartz countertops, a tile backsplash, stainless steel appliances, upgraded cabinetry with under-cabinet lighting, and a large counter-height island that naturally becomes the gathering place for family and friends. The expanded primary suite is a relaxing retreat with beautiful water views, a tray ceiling, spacious walk-in closet, and a spa-inspired bath featuring dual quartz vanities and a beautifully tiled Roman shower. Another standout feature is the approximately 350-square-foot glass-enclosed, climate-controlled lanai—a true extension of the living space that's great for morning coffee, entertaining friends, or simply enjoying the waterfront view year-round. Step outside to the paver patio and spacious backyard, where there's plenty of room to design the pool of your dreams. Additional highlights include two generously sized guest bedrooms, a beautifully appointed guest bath, professional landscaping, attic storage, and an oversized 2-car plus golf cart garage with air conditioning. This is more than just a beautiful home—it's an exceptional opportunity. Waterfront homes with this level of upgrades, flexible living space, oversized garage, and pool potential are rarely offered at this price point. Some furnishings are available separately, making your move even easier. THE VILLAGE OF MCCLURE Living in the Village of McClure means having it all right at your doorstep! From the Longleaf and Loblolly Executive Golf Courses to the relaxing Willow Tree Recreation Area with its adult pool, there’s always something to enjoy. Looking for more activity? The Everglades Recreation Complex delivers with a sports pool, fitness programs, softball, pickleball, and even RC car and boat tracks for a little extra fun. Dog owners will love nearby Dudley Canine Park, and with Magnolia Plaza and Eastport just down the road, shopping, dining, and everyday essentials are always close by. It’s easy to see why the Village of McClure is such a desirable place to call home.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,994

Sqft

0.15 ac

Lot size

3

Garage

2019

Year built

One

Levels

$336

Per sqft

WaterfrontNegotiable55+ communityPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Washer · Water Filtration System
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingHeat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionConcrete · Stucco
FoundationSlab
FacesWest
ExteriorIrrigation System · Other · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$9,877/yr
PetsYes

Utilities & systems

UtilitiesPublic
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.

$4,849 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,615
PMI (est., until 20% equity)$251
Property tax — 2025 actual bill$823
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $66,990Loan30-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% · $66,990
Interest rate6.00%
Loan term

Estimated payment

$4,849/mo

Principal & interest$3,615
PMI (est., until 20% equity)$251
Property taxes (actual bill)$823
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 $670K
$560KedgeAI estimate $675,110 · range $583K$767K$798K

vs edgeAI estimate

−0.8%

$/sqft vs The Villages actives

$336 vs $254

Days on market

167 vs 50 typical

Where $336/sqft sits among the 400 The Villages actives

107
134
83
26
18 · this home
32
$198–231$231–265$265–299$299–333$333–366$366+

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 2140 BILLER CIRCLE

Drive times from this address

Downtown Orlando57 min
Universal Orlando60 min
Walt Disney World68 min
Orlando Int’l Airport (MCO)71 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 marketSeller’s market2.6 months of inventoryBuyer’s market

$365K$360K

The Villages median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

212 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 43% above the THE VILLAGES 32163 median. See the full The Villages market guide →

Paper trail

This home's history

CurrentPrice reduced to $669,900 $48K
Feb 18, 2026Listed at $717,800 · 167 days on market since
2019Built · SOUTHERN OAKS UN 18

Reality check

What actually sold near 2140 BILLER CIRCLE

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

5766 HENRY LOOPSold · Aug ’25

$730,000

5766 HENRY LOOP

3 bd · 2 ba · 1,994 sqft · $366/sqft · 139 DOM

5631 FERNANDES COURTSold · Feb ’26

$675,000

5631 FERNANDES COURT

3 bd · 2 ba · 1,986 sqft · $340/sqft · 37 DOM

5675 MELVIN DRIVESold · Dec ’25

$840,000

5675 MELVIN DRIVE

3 bd · 2 ba · 2,019 sqft · $416/sqft · 20 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 2140 BILLER 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 2140 BILLER 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.

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Goes straight to David’s phone and CRM.

Straight answers

2140 BILLER CIRCLE FAQs

What would the monthly payment be for 2140 BILLER CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,849/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 2140 BILLER CIRCLE?+

The most recent tax bill on record (2025) was $9,877. 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 2140 BILLER CIRCLE?+

The listing reports pets: Yes. 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 $669,900, this home is listed about 72% above the The Villages median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 2140 BILLER CIRCLE?+

Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$669,900 runs 43% above the THE VILLAGES 32163 median — but at 1,994 sqft it's also 28% larger than the typical The Villages listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

167 days on market against a The Villages median of 50 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $717,800, now $669,900 — a $48K cut. The full history is in the market section below.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6383599.

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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