1040 Cottage Dr, photo 1
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Overview

3 bd3 ba2,042 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built2004
Lot9,212 sqft
Living area2,042 sqft
Price / sqft$649
Garage1 car

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Open house

Sunday, Oct 18 · 1:00 PM to 3:00 PM

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorStone CountersTray Ceiling(s)

1040 Cottage Dr is a 2004-built home in Villages Of Sumter Lake Shore Cottages, The Villages. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,042 square feet of living space. Listed at $1,325,000 (about $649/sqft), 80 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

BOND PAID, COMPLETELY REMODELED,Furniture optional~ over 2,300 sq. ft. 3/2 COTTAGE with SALT WATER, HEATED POOL and TRAVERTINE DECKING located in the LAKE SHORE COTTAGES right next door to LAKE SUMTER LANDING! The homes in this Village are known for their unique architectural features with spacious screened porches found nowhere else in The Villages. Enjoy a low maintenance exterior and beautiful curb appeal with HARDIE PLANK SIDING, METAL roof and an amazing front porch with WOOD-LOOK PORCELAIN flooring, BEADBOARD ceiling, attractive RAILING, custom ceiling fans, and that’s before you even open the LEADED GLASS front door! Once inside, you’ll find NEW high end LUXURY VINYL PLANK flooring throughout the home. All of the columns, and separate living areas were removed to create a spacious OPEN FLOOR PLAN. Large windows let in plenty of natural light, with all NEW lighting including pendant lights over the breakfast bar, and chandelier’s over the formal and casual dining areas defining each area. Some of the extras include CROWN MOLDING, & 8” baseboards throughout, ! The kitchen has GRANITE countertops and backsplash, all new high end appliances ,under cabinet lighting, closet PANTRY, a FARMHOUSE sink, and a spigot at the sink with a REVERSE OSMOSIS system. The 15’x16’ guest bedroom/den and HALF BATH was added behind the LEADED GLASS French doors, with 13’ ceilings, and sliding glass doors that open out to the BEAUTIFUL SALT WATER HEATED POOL with waterfall, beautiful TRAVERTINE decking, with wrap around PRIVACY WALL on one side and an open view of the lovely garden on the other. The primary bedroom has a WALL MOUNTED TV, PLANTATION SHUTTERS, and an all NEW EN-SUITE BATH with large WALK-IN CLOSET, NEW cabinets, GRANITE countertops, CUSTOM mirrors, fixtures, and NEW walk-in shower with 2 SHOWERHEADS. The other guest room has lovely custom valances with 2 double sliding closet doors – a full wall of closet space and a WALL MOUNTED TV! The all NEW guest bath has GRANITE countertops, NEW LIGHTED VANITY MIRROR with adjustable settings, CUSTOM shower curtain, lovely subway tile with tub/shower, and a one piece SMART AUTOMATIC TOILET. And wait until you see the spectacular 29’x10’ room that was created off the living room across the back of home that opens out to the POOL AREA. Beautiful DIAGONAL TILE flooring, floor to ceiling “hurricane” glass picture windows, beadboard ceiling, and a MINI-SPLIT system so this delightful room is comfortably under HEAT and AIR. AND step outside from this room to a NEW elevated OPEN PATIO with railing for a great view of the flower garden, spacious backyard and beyond to the WATER VIEW. Other features include a Kinetico WATER filtration and softener whole house system, EPOXY painted garage flooring, gutters around the entire home, FRESHLY PAINTED EXTERIOR, NEWER HVAC SYSTEM to accommodate newly added sq. footage, and TANKLESS WATER HEATER. There is not much in this spectacular home that is not NEW! SUCH A GREAT LOCATION! This unique neighborhood also has its own community pool – a great place to see your neighbors and make new friends. And all the shopping, dining and entertainment is found at the Market Square right around the corner. COME EXPERIENCE THIS AWESOME HOME. Don’t let this one get away! Golf Cart can be purchased separately.

The essentials

Built
2004
Price / sqft
$649
On market
80 days
Annual tax
$9,794
Flood zone
X500* · Low risk
Lot
9,212 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Private pool
Heated
1 car garage
Golf Cart Parking
9,212 sqft lot
Lot size
2,042 sqft
Living area

Payment

Est. monthly payment
$8,389/mo
Down payment (20%)
$265,000
Property taxes
$816/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
9,212 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
Golf Cart Parking
Pool
Gunite, Heated, In Ground, Lighting, Pool Alarm, Salt Water, Screen Enclosure
Days on Market
80
Built-in Features
Ceiling Fans(s)
Crown Molding
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Rain Gutters
Sidewalk
Community Mailbox
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
Playground
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Dishwasher
Disposal
Dryer
Kitchen Reverse Osmosis System
Microwave
Refrigerator
Tankless Water Heater
Washer
Water Softener
In a CDD (Community Development District) Flood Zone X500*
Annual Tax (2025)
$9,794
Parcel #
D23C011

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Villages Of Sumter Lake Shore Cottages
County
Sumter
MLS Area
32162 - Lady Lake/The Villages
Lot Size
9,212 sqft

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #G5115808
$1,325,000-5.4%
$649/sqft
7/30/2026
Listed for sale
Source: Stellar MLS #G5115808
$1,399,900
$686/sqft

Neighborhood

1040 Cottage Dr
The Villages, FL, 32162 · 32162 - Lady Lake/The Villages

Market insights

Offer Insights

Choose an offer strength

List price: $1,325,000
$1.29M – $1.32M
97.4% – 100% of listTops out right at the list price
80% of listList price
165 of the last 327 home closings in 32162 landed at this number or higher (50%). The median one sat 36 days before it went under contract, and this one is on day 80 after a $74,900 cut.

Sample: 327 closed home sales in 32162 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$8,389/mo
Principal & interest$6,910
Property taxes$816
Insurance$663
Down payment20% · $265,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,325,000

$649 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,042 sq ft

Time on market

80 days

Year built

2004

Monthly payment

About $8,389/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,794 annual tax bill, insurance.

Flood zone

Zone X500*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byREALTY EXECUTIVES IN THE VILLAGESListing agent: Jana RaberListing data from Stellar MLS, MLS# G5115808.

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