435 SANTA CLARA CIRCLE, THE VILLAGES, FL, 32159
Active113 days on marketListed Apr 15, 2026MLS #OM722535
About this home
435 SANTA CLARA CIRCLE
PRICED TO SELL AND NO BOND!!! Prime Location ideally located between two of the area’s most popular town squares, this home offers both comfort and convenience! Perfect for full time resident or Investment Opportunity. TURNKEY FURNISHED. This 3-bedroom, 2-bath home features a versatile climate-controlled family room/den/home office, offering flexible space to fit your lifestyle. The interior includes a convenient laundry room with washer and dryer, and a generously sized primary suite with a large walk-in closet. The primary bathroom showcases a walk-in shower. Additional features include gutters, a 2-car garage, and an open backyard. New roof in 2018. Golf cart does not convey. 3D Tour and Floorplan available upon request.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,392
Sqft
0.13 ac
Lot size
2
Garage
1995
Year built
One
Levels
$212
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.
$2,492 /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
$2,492/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
−7%
$/sqft vs VILLAGES OF SUMTER
$212 vs $250
Days on market
113 vs 52 typical
Where $212/sqft sits among the 47 homes for sale in VILLAGES OF SUMTER
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 32159 — neighborhood snapshot
Population
30,846
Median age
68.7
Median income
$57,536
Median home value
$272,100
Avg household
1.83
Households w/ children
1,240
For the school run
Lake 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)
25 of 47
VILLAGES OF SUMTER have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the THE VILLAGES 32159 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 435 SANTA CLARA 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$335,000
1473 MURRELLS INLET LOOP · same community
3 bd · 2 ba · 1,392 sqft · $241/sqft · 0 DOM
Sold · Jan ’26$330,000
3472 SIPSEY STREET · same community
3 bd · 2 ba · 1,392 sqft · $237/sqft · 5 DOM
Sold · Dec ’25$375,000
2020 HARSTON TRAIL · same community
3 bd · 2 ba · 1,392 sqft · $269/sqft · 117 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 435 SANTA CLARA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 435 SANTA CLARA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
435 SANTA CLARA CIRCLE FAQs
What would the monthly payment be for 435 SANTA CLARA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,492/mo — principal and interest, the actual property-tax bill, the $201/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 435 SANTA CLARA CIRCLE?+
The association fee works out to $201 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 435 SANTA CLARA CIRCLE?+
The most recent tax bill on record (2025) was $3,165. 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 435 SANTA CLARA 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 $295,000, this home is listed about 24% below the The Villages median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 435 SANTA CLARA CIRCLE?+
The Villages Elementary Of Lady Lake School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the THE VILLAGES 32159 market on paper
$295,000 is 7% below the THE VILLAGES 32159 median of $318,345, and at $212/sqft it sits under the The Villages average of $270.
02Time on market is leverage
113 days on market against a The Villages median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $305,000, now $295,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FONTANA REALTY · Javier Rojas. MLS #OM722535.
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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