438 Troy Loop, photo 1
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Overview

3 bd2 ba1,918 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot7,305 sqft
Living area1,918 sqft
Price / sqft$248
Garage2 car

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About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorWalk-in Closet(s)

438 Troy Loop is a 2006-built home in The Villages, The Villages. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,918 square feet of living space. Listed at $474,900 (about $248/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. "LIVE THE VILLAGES LIFESTYLE FROM THE HEART OF MALLORY SQUARE! Welcome to 438 Troy Loop, the popular Gardenia model with approximately 1,918 square feet of comfortable living space, 3 bedrooms and 2 baths. Start your mornings on the welcoming front patio with coffee in hand, then spend your evenings on the spacious screened lanai that flows right into an attached birdcage, your own private slice of Florida with room for dining, entertaining, and watching the sunsets. A rare bonus: the third bedroom features a convenient Murphy bed, so this home works double duty as guest suite by night and office, craft room, or home gym by day. Practical updates mean you can move in and relax: a roof about 5 years young and an HVAC about 9 years old, with a remaining bond balance of just $5,288. Live minutes from Mallory Hill Country Club, within easy reach of Canal Street Recreation Center on Odell Circle, and an easy golf-cart trip to the dining, shopping, and daily festivities of Lake Sumter Landing and Brownwood Paddock Square. The featured location, the favorite model, the Florida style you've been waiting for. Come see why this one won't last!"

The essentials

Built
2006
Price / sqft
$248
On market
31 days
Annual tax
$3,858
Flood zone
X · Low risk
Lot
7,305 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Shared amenity
2 car garage
7,305 sqft lot
Lot size
1,918 sqft
Living area

Payment

Est. monthly payment
$3,036/mo
Down payment (20%)
$94,980
Property taxes
$322/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
7,305 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
31
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Walk-in Closet(s)
Lighting
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Golf Carts OK
Golf
Irrigation-reclaimed Water
Park
Playground
Pool
Racquetball
Restaurant
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,858
Parcel #
D25B087

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
The Villages
County
Sumter
MLS Area
32162 - Lady Lake/The Villages
Lot Size
7,305 sqft

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #G5117577
$474,900-4.0%
$248/sqft
9/9/2026
Listed for sale
Source: Stellar MLS #G5117577
$494,900
$258/sqft

Neighborhood

438 Troy Loop
The Villages, FL, 32162 · 32162 - Lady Lake/The Villages

Market insights

Offer Insights

Choose an offer strength

List price: $474,900
$462,500 – $474,900
97.4% – 100% of listTops out right at the list price
80% of listList price
155 of the last 309 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 31 after a $20,000 cut.

Sample: 309 closed home sales in 32162 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,036/mo
Principal & interest$2,477
Property taxes$322
Insurance$237
Down payment20% · $94,980
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

$474,900

$248 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,918 sq ft

Time on market

31 days

Year built

2006

Monthly payment

About $3,036/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,858 annual tax bill, insurance.

Flood zone

Zone X

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 bySOUNDINGS, LLCListing agent: Lili WhittingtonListing data from Stellar MLS, MLS# G5117577.

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