10 days on market Single Family Residence

$439,900

3-Bedroom Home in THE VILLAGES

1832 MADERO DRIVE, THE VILLAGES, FL 32159

Single Family Residence in THE VILLAGES · No CDD

THE VILLAGES · THE VILLAGES, FL 32159 · Sumter

Listing data updated August 14, 2026 · refreshed twice daily

3Bedrooms

2Bathrooms

1,894Sq Ft

1998Year Built

$232Per Sq Ft

2-car garageNo CDDFEMA Zone X

Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.

7% below

$/sq ft vs community

$232 here vs $249 median sold (12 mo)

Buyer leverage

Seller-leaning

10 days on market

Zone X

Flood risk

Minimal hazard per FEMA; ~20 ft elevation

$2k–$4k/yr

Est. insurance · illustrative

Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

No CDD assessment on record
Built 1998 · 28 yrs
1,894 sq ft of living area
2-car garage
10 days on market
HOA ~$50/mo (estimate; confirm)

Momentum Research · N/A

Pricing & the N/A market

How this home is priced against recent nearby sales, and where N/A has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

Price vs. size in N/A

Each dot is a closed sale since 2004 (563 total). This home is the gold marker.

Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $232/sq ft.

Median sale price by year

12-month median closed price, 2012–2026.

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 63 (hot).

Property timeline

This home’s history

1998BuiltPer public record
Aug 7, 2026First trackedObserved at $439,900
NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$2,866/mo

Principal & interest $2,229/mo 78%
Taxes $385/mo 13%
Insurance $202/mo 7%
HOA $50/mo 2%

$2,866/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Purchase price$Down payment%Interest rate%TermyrProperty tax / yr$Insurance / yr$CDD / yr$HOA / mo$

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll

Estimated property taxes after purchase

$4,800/yr

≈ $400/mo·effective rate ~1.09%

Estimated from today’s asking price and current Sumter County tax rates.

⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $4,450/yr ($371/mo)

+$350 more each year

(+8%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️

Current ownerProtected by Save Our Homes

🔄

Home sellsResets the January after

🧾

Buyer paysBased on purchase price

$361,550

Market value

$361,550

Assessed

$361,550

Taxable

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

61/100

Strongest on: Flood safety (95), Buyer competition (76)

0 limited50100 exceptional

61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area67

This home $232/sq ft vs the community 12-month median $249/sq ft.

Affordability26

List price $439,900 vs the community median $384,950. Not a measure of personal affordability.

Flood safety95

FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.

Insurance cost67

From FEMA Zone X and a 1998 build. Obtain a property-specific quote.

Market liquidity66

Community median 43 days on market (12-month record).

Renovation upside52

From a 1998 build and $232/sq ft vs the community median $249/sq ft. Not a condition assessment.

Buyer competition76

24% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).

Pricing power67

Recent sales closed at about 94.6% of original asking (~5.4% below). More room below asking generally favors buyers.

Market timing37

Momentum Market Heat is 63/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $232 per square foot, about 7% below the community’s $249 median. N/A’s 12-month median sold price per square foot is $249. Median sold price per square foot is down 4.8% year over year. Confidence: Very High · 42 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent N/A sales closed near 94.6% of original asking. Cash paid for about 24% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 598 active listings in N/A, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated August 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Charming Golf Course Living in the Heart of The Villages – Turnkey Vera Cruz Model! No Bond! Welcome to 1832 Madero Drive, a beautifully maintained 3-bedroom, 2-bath Vera Cruz model located in the popular Village of Santo Domingo.

Being offered TURNKEY, this inviting home combines comfort, style, and an exceptional golf course setting just minutes from the newly renovated Spanish Springs Town Square, where you'll enjoy live entertainment, restaurants, shopping, and year-round events. From the moment you arrive, you'll appreciate the home's outstanding curb appeal. Fresh landscaping, two stately palm trees framing the front of the home, a mature crepe myrtle, painted driveway and walkway create a warm and welcoming first impression.

Step inside to discover a bright, open floor plan featuring HIGH CEILINGS, LUXURY VINYL PLANK FLOORING—updated lighting and ceiling fans, and SOLAR TUBES that fill the home with abundant natural light. The spacious living room and formal dining area are perfectly designed for entertaining while showcasing beautiful views of the golf course through the large glass double doors. The spacious kitchen offers an abundance of white cabinetry, GRANITE COUNTERTOPS, a convenient BREAKFAST BAR, a large pantry, and numerous windows that create a bright and cheerful atmosphere.

Just off the kitchen, the cozy breakfast nook surrounded by three windows provides the perfect place to enjoy your morning coffee while taking in the peaceful surroundings. The private primary suite is thoughtfully positioned to capture tranquil views of the lush golf course and mature trees. Featuring high ceilings, walk-in closet and multiple windows, it offers a relaxing retreat at the end of the day.

The en-suite bathroom includes DUAL GRANITE VANITIES, stylish LED-BACKLIT MIRRORS, a spacious walk-in shower with upgraded rain-style and handheld shower fixtures, a private water closet, and a generous 2nd walk-in closet. The split-bedroom floor plan provides privacy for family and guests. Both guest bedrooms are generously sized, while the third bedroom enjoys beautiful golf course views and features direct access to the lanai, making it an ideal guest suite, office, or hobby room.

The guest bathroom and hallway closet are conveniently located between the two bedrooms. Step outside to your covered lanai, where peaceful golf course views and mature trees create the perfect backdrop for relaxing or entertaining. A retractable shade screen adds comfort when desired, allowing you to enjoy outdoor dining, your morning coffee, or an evening beverage while taking in the serene surroundings.

Additional features include an INDOOR LAUNDRY ROOM with extra cabinetry for storage, a spacious two-car garage with pull-down attic stairs, ROOF REPLACED IN 2023, HVAC REPLACED IN 2024, and HOT WATER HEATER REPLACED IN 2024, providing valuable peace of mind for years to come. SELLER FINANCING AVAILABLE. Ideally located just minutes from Spanish Springs Town Square, U.

S. Highway 441, shopping, restaurants, medical facilities, and everyday conveniences, this exceptional golf course home offers the perfect combination of location, comfort, and value. Turnkey golf course homes in this desirable location rarely become available.

Schedule your private showing today—this one won't last long!

Description provided by REALTY EXECUTIVES IN THE VILLAGES and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$439,900

Bed / bath3 / 2

Living area1,894 sq ft

Year built1998

Property typeSingle Family Residence

Garage2-car

MLS #G5116058

Listing status10 days on market

Public records & third-party data

FEMA flood zoneZone X

Ground elevation~20 ft

Windstorm exposureLow

CountySumter

Area listings598 active · 175 under contract

Estimated first-year tax~$4,619/yr

CDD assessmentNone on record

HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$232

Estimated monthly payment$2,866

Insurance (illustrative)$2k–$4k/yr

Comparable-sales median$384,950

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions

Listing courtesy of REALTY EXECUTIVES IN THE VILLAGES · Listing agent: Jon McNeely · 352-753-7500

Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$414,786the mess$528,426

Actual list price: $439,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

This home: 10 days on market vs. a 43-day community median
732 active listings competing, 246 under contract

For reference, this home is listed at $439,900 ($232/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,894 sq ft × $219–$279/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 14, 2026.

Keep looking

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Transparency

Price & listing history

Listed for $439,900Momentum Realty · on market 10 days

Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)

~$4,619/yr

A rough first-year estimate only, applying a typical Sumter rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment

None

No CDD assessment on record for this community.

Insurance (illustrative range)

$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA

$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone

Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation

~20 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance

Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber

Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable

Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home

Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in THE VILLAGES

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the THE VILLAGES neighborhood guide for more.

Comparable sales found

Recent nearby closings in the data set.

Community median sale price

$384,950

Canonical 12-month median closed price. Reference only.

Community median $/sq ft

$249

Canonical 12-month median $/sq ft. Reference only.

Go deeper on THE VILLAGES

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Open the THE VILLAGES neighborhood guide →

In the area

Recent Zz Stellar Sumter Unassigned news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

May 2026 · Development

Ocala approves large mixed-use development with up to 2,700 residences in southwest Ocala

The Ocala City Council approved a mixed-use development on about 251 acres along Southwest 43rd Court in southwest Ocala, clearing the way for up to roughly 2,700 residential units along with nearly one million square feet of commercial, office, and retail space.

Why it matters: A mixed-use community of this scale adds substantial future housing and commercial space to southwest Ocala, the kind of growth that can shape demand and pricing for nearby communities. The site is about 10 miles north of Zz Stellar Sumter Unassigned.

Ocala-News

Dec 2025 · Retail Dining

New Publix-anchored shopping center planned in Marion Oaks

A Publix-anchored shopping center is planned at Southwest Highway 484 and Southwest 49th Court Road in the Marion Oaks area south of Ocala, adding grocery and retail to a fast-growing part of Marion County.

Why it matters: A new grocery-anchored center adds everyday retail to the Marion Oaks area, the kind of amenity that shapes convenience and demand for nearby communities. The site is about 4 miles north of Zz Stellar Sumter Unassigned.

352today

Assigned schools

Schools currently assigned to this address in Sumter County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Sumter County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.

See schools in the THE VILLAGES guide → · Browse school-zone pages →

How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$2,016 – $2,933/moa rough gross-rent-yield range on list price (comp-based estimate coming).

Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.

Est. monthly cash flow−$912 – −$87At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.

Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.

Nearby & commute

Approximate distances

Approximate drive times for general reference only.

City

THE VILLAGES

Groceries, dining, and parks for this city — see the city guide.

County

Sumter

Schools, taxes, and services are county-administered — see the county guide.

View →

Community

THE VILLAGES

Amenities and HOA/CDD detail on the neighborhood guide.

View →

Provenance

Data sources & freshness

Listing record	Stellar MLS, refreshed twice daily (last: August 14, 2026)
Community market stats	Stellar MLS closed sales, as of July 15, 2026
Flood zone & elevation	FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost	Estimated from county rates; not a quote
Insurance figure	Modeled estimate; obtain a real quote before offering
Schools	2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 1832 MADERO DRIVE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.