346 PACOLET TERRACE, THE VILLAGES, FL, 32162
Active10 days on marketListed Jul 24, 2026MLS #OM728534
About this home
346 PACOLET TERRACE
Stunning Gardenia Designer home with golf cart garage. Located in the Village of Caroline, Semiprivate back yard. Newer appliances, kitchen has beautiful cherry wood cabinets and high-definition laminate. Open floor plan with dining area in kitchen and formal living room. Plantation shutters in windows. Large primary suite with two walk in closets with organizer shelving, Screened lanai and paver patio round out the home, Roof re-shingled 2020, HVAC new in 2025, newer water heater and kitchen sink. Cabinets and sink in expanded garage. Interior was painted in 2022.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,953
Sqft
0.17 ac
Lot size
2
Garage
2005
Year built
One
Levels
$281
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 and the real association fee — not generic estimates.
$4,248 /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
$4,248/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
+13.2%
$/sqft vs THE VILLAGES
$281 vs $251
Days on market
10 vs 47 typical
Where $281/sqft sits among the 227 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
$365K → $360K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
127 of 227
THE VILLAGES have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the THE VILLAGES 32162 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 346 PACOLET TERRACE
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$450,000
2184 MARKRIDGE LOOP · same community
3 bd · 2 ba · 1,939 sqft · $232/sqft · 22 DOM
Sold · Dec ’25$530,000
2108 CLARKS HILL WAY · same community
3 bd · 2 ba · 1,927 sqft · $275/sqft · 9 DOM
Sold · Mar ’26$540,000
4528 HAYWARD PATH · same community
3 bd · 3 ba · 1,911 sqft · $283/sqft · 103 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 346 PACOLET TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 346 PACOLET TERRACE — 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
346 PACOLET TERRACE FAQs
What would the monthly payment be for 346 PACOLET TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,248/mo — principal and interest, the actual property-tax bill, the $204/mo association fee 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.
How much are the HOA fees at 346 PACOLET TERRACE?+
The association fee works out to $204 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 346 PACOLET TERRACE?+
The most recent tax bill on record (2025) was $4,912. 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 346 PACOLET TERRACE?+
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 $549,000, this home is listed about 46% 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 346 PACOLET TERRACE?+
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 JUDY L. TROUT REALTY · Judy Trout. MLS #OM728534.
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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