3598 CAMBRIA CIRCLE, THE VILLAGES, FL, 32162
Active13 days on marketListed Jul 12, 2026MLS #OM728035
About this home
3598 CAMBRIA CIRCLE
NO BOND! Move right into this fully furnished, turnkey 2-bedroom, 2-bath Patio Villa in the highly desirable Village of Fernandina! Offering 1,188 square feet, this well-maintained home features an open floor plan, split-bedroom design, and a spacious kitchen with ample cabinet and counter space. The primary suite includes a walk-in therapeutic spa tub, providing comfort, safety, and relaxation. Enjoy your private courtyard—perfect for morning coffee or outdoor entertaining—and the low-maintenance lifestyle Patio Villas are known for. With NO BOND, you'll enjoy significant long-term savings, making this home an excellent choice for a full-time residence, seasonal retreat, or investment. Conveniently located near golf courses, recreation centers, pools, shopping, dining, medical facilities, and The Villages' famous town squares with nightly entertainment, this home is ready for you to start enjoying The Villages lifestyle today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,188
Sqft
0.08 ac
Lot size
2
Garage
2003
Year built
One
Levels
$207
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.
$1,954 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,954/mo
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.
vs edgeAI estimate
−12%
$/sqft vs THE VILLAGES
$207 vs $250
Days on market
13 vs 47 typical
Where $207/sqft sits among the 217 homes for sale in THE VILLAGES
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 32162 — neighborhood snapshot
Population
54,019
Median age
74.2
Median income
$73,927
Median home value
$358,100
Avg household
1.72
Households w/ children
135
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)
126 of 217
THE VILLAGES have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the THE VILLAGES 32162 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 3598 CAMBRIA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$255,000
521 SAN MARINO DRIVE · same community
2 bd · 2 ba · 1,192 sqft · $214/sqft · 127 DOM
Sold · Dec ’25$288,000
3023 GALLINULE COURT · same community
2 bd · 2 ba · 1,148 sqft · $251/sqft · 4 DOM
Sold · Dec ’25$220,000
1639 W SCHWARTZ BOULEVARD · same community
2 bd · 2 ba · 1,144 sqft · $192/sqft · 194 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 3598 CAMBRIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3598 CAMBRIA 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.
Straight answers
3598 CAMBRIA CIRCLE FAQs
What would the monthly payment be for 3598 CAMBRIA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,954/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 3598 CAMBRIA CIRCLE?+
The most recent tax bill on record (2025) was $2,847. 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 3598 CAMBRIA 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 $245,900, this home is listed about 34% below the The Villages median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3598 CAMBRIA CIRCLE?+
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 RAINBOW SPRINGS REAL ESTATE · Randy Shultz. MLS #OM728035.
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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