100 days on market (MLS)Single Family Residence▼ Price cut: $160,000 (10/1)
$1,490,000
4-Bedroom Home in VILLAGES OF SUMTER
649 Ternberry Forest Drive, The Villages, FL 32162
Single Family Residence in VILLAGES OF SUMTER, THE VILLAGES · No CDD on record
VILLAGES OF SUMTER · The Villages, FL 32162 · Sumter County
Listing data updated October 1, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
3,682Sq Ft
2005Year Built
$405Per Sq Ft
3-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
65% above
$/sq ft vs community
$405 here vs $246 median sold (12 mo)
Buyer leverage
Strong buyer advantage
100 days on market
4800.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~61 ft elevation
$5k–$10k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $1.49M tops 12 of the last 12 closed sales; also one of the largest homes here at 3,682 sq ft
As of October 1, 2026, 649 Ternberry Forest Drive in Villages Of Sumter, The Villages is listed at $1,490,000 (3,682 sq ft, about $405 per sq ft). That is 277% above Villages Of Sumter's median closed sale of $395,000 over the last 12 months (43 recorded sales). Per square foot it is above the community's recent $246/sq ft by about 65%. It has been 100 days on market, longer than the community's typical 41 days to contract. Listing facts: built in 2005, HOA dues of $204/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2005 · 21 yrs
3,682 sq ft of living area
3-car garage
100 days on market
HOA $204/mo (per listing)
Listing description
About this home
PRICE REDUCED!: This luxurious, fully furnished, tastefully decorated 4 bed, 3 bath St. Augustine Premier Home is located in the highly sought after Village of Bridgeport at Lake Sumter. This is a large, upscale 3,682 sq.
ft home, on an expansive park like lot, with beautiful landscaping and an inviting entryway. As you enter the home you are greeted with a formal, large living room with a gas fireplace, 12 foot high ceilings and crown molding throughout the home a large, separate dining room with seating for 8, an expansive kitchen with generous granite counter-tops and cabinets, and an eating area situated next to the kitchen. The kitchen has two pantries and a gas stove.
Enjoy the expansive family room where you can relax or entertain guests. The primary bedroom ensuite includes a king-size bed, TV, with a large, comfortable seating area, a large bathroom featuring a walk-in shower, double sinks, soaking spa tub and a large, spacious walk-in closet and second closet, in addition to separate enclosures for shoes and purses, etc. The first guest bedroom is spacious with a closet, queen-size bed, dresser and nightstands.
The second guest bedroom has a convertible sofa, TV and closet with a shared large bathroom with a shower/tub situated between the guest bedrooms. The fourth bedroom has been converted to a large office with 2 built-in desks, overlooking the front garden. The large third bathroom with a shower is accessible to both the main house as well as a second entrance from the enormous fully screened in lanai.
The 596 sq. ft. lanai is an entertainers' dream come true, with an outdoor/summer kitchen, ample seating areas and access to the magnificent gardens and additional entertaining areas.
The garage is an oversized 3 car garage with ample room for at least 2 cars, plus golf carts and a work bench with 2 ceiling fans, a large T. V. and plenty of storage.
The garage leads into the house through the laundry room that includes a folding table and built in ironing board. The property is set up for an ADT security system throughout. There is also a whole house Generac natural gas-powered generator system, 2 separate HVAC systems, 2 recirculating hot water heaters on either end of the house, solar power panels to keep your electrical costs at the property to a minimum.
There is also a pre-wired Tesla charging system already set up. A golf cart ride to Arnold Palmer Legends Country Club and Lake Sumter Landing featuring shopping, dining and entertainment. Roof: 2022 Solar 2022 Air Conditioner 2017
All 6 photos
Description provided by MRE REALTY SERVICES and reproduced from the MLS; not independently verified.
Listing courtesy of MRE REALTY SERVICES · Listing agent: Janice Hart · 352-897-7332Provided 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.
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$1,490,000
Bed / bath4 / 3
Living area3,682 sq ft
Year built2005
Property typeSingle Family Residence
Garage3-car
MLS #G5114117
Listing status100 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~61 ft
CountySumter
Area listings396 active · 95 under contract
Estimated first-year tax~$17,700/yr
CDD assessmentNone on record
HOA$204/mo
Calculated estimates
Price per sq ft$405
Estimated monthly payment$10,244
Insurance (illustrative)$5k–$10k/yr
Comparable-sales median$395,000
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
Financing
Estimated monthly payment
$10,244/mo
Principal & interest $7,954/mo78%
Taxes $1,475/mo14%
Insurance $610/mo6%
HOA $204/mo2%
$10,244/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Sumter County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $7,925/yr ($660/mo) — taxable value $645,868 × 12.28 mills
$9,775 more each year
(+123%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$409,562
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$1,055,430
Market value
$696,590
Assessed
$645,868
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$5k–$10k/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
$204/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~61 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Sumter County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningRelatively High
Strong windRelatively High
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in N/A
Each dot is a closed sale since 2004 (571 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 $405/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 58 (normal).
Property timeline
This home’s history
2005BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 100 cumulative days on market as of October 1, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $1,650,000
Oct 1, 2026Price cut$1,490,000 (-$160,000, -9.7%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $1,490,000Momentum Realty · on market 100 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 1 closed sale within about 10 miles in Sumter County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Sep 2026
$1,295,000
4147 DESKIN LANE, THE VILLAGES
3 / 3 bd/ba · 3,169 sq ft · $409/sq ft
Courtesy of REALTY EXECUTIVES IN THE VILLAGES · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Sumter County in the last 18 months. Only 1 qualifies for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 3,682 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
49/100
Strongest on: Flood safety (95), Insurance cost (72)
0 limited50100 exceptional
49/100 is below average 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 area0
This home $405/sq ft vs the community 12-month median $246/sq ft.
Affordability0
List price $1,490,000 vs the community median $395,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~61 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2005 build. Obtain a property-specific quote.
Market liquidity67
Community median 41 days on market (12-month record).
Pricing power67
Recent sales closed at about 94.6% of original asking (~5.4% below). More room below asking generally favors buyers.
Market timing42
Momentum Market Heat is 58/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4800.0 months of supply in the surrounding market and 100 days on market for this home, against a 41-day area median.Days on market:this home 100Area median: 41 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. As of September 20, 2026.
🟡 Asking $405 per square foot, about 65% above the community’s $246 median. N/A’s 12-month median sold price per square foot is $246. Median sold price per square foot is down 1.1% year over year. Confidence: Very High · 43 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.
56% of homes in N/A are owner-occupied. An estimated 44% are non-owner-occupied, including 7% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 3130 homes matched. Community-level context.
Recent N/A sales closed near 94.6% of original asking.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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 396 active listings in N/A, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by MRE REALTY SERVICES · MLS # G5114117
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Keep looking
Similar homes for sale near VILLAGES OF SUMTER
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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.
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.
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.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 649 Ternberry Forest Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $204/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Sumter County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 3,682 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $17,700/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,775 more per year than the current owner’s estimated bill (+123%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: October 1, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Sumter County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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
How big is 649 Ternberry Forest Drive and when was it built?
Per the listing record, 649 Ternberry Forest Drive was built in 2005 and has 3,682 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 649 Ternberry Forest Drive in?
649 Ternberry Forest Drive is in Villages Of Sumter in The Villages, Sumter County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 649 Ternberry Forest Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $204 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 649 Ternberry Forest Drive differ from the current owner's?
The estimate on this page (about $17,700 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,775 more per year than the current owner’s estimated bill (+123%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 649 Ternberry Forest Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 649 TERNBERRY FOREST 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.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
