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Overview

2 bd2 ba1,206 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2022
Lot5,959 sqft
Living area1,206 sqft
Price / sqft$257
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorThermostatLightingSliding Doors

2845 Charity Loop is a 2022-built home in Southern Oaks Un #107, The Villages. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,206 square feet of living space. Listed at $309,900 (about $257/sqft), 350 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to The Village of Richmond – Topaz Model, Vinyl Sided, Furnished Patio Villa with Possible Lease Option to Buy Comfort meets elegance in this spacious two-bedroom, two-bath, 2 car garage where you will step inside & you’re greeted by a bright, open-concept retreat designed for both relaxation and entertaining. The professionally decorated interior features high-end touches and calming finishes that create a warm, inviting atmosphere. The living area flows seamlessly into the dining and kitchen spaces, allowing for easy conversation and effortless hosting. The oversized kitchen island provides generous seating and is perfect for gathering with guests. The eat-in kitchen showcases: shaker-style cabinetry, Gas stainless steel appliances, Ample counter space, Abundant storage & modern amenities, Laundry Area. The primary suite is a true sanctuary, featuring a king-size bed and a private en-suite bath with Double sink vanity, Walk-in shower, Spacious walk-in closet. The second bedroom offers a queen-size bed, high ceilings, ceiling fan, and plenty of storage. A full hall bathroom with tub/shower combination and single sink vanity serves guests comfortably. Additional features include: Dedicated laundry area, Multiple storage closets, Sliders leading to a private patio, Nicely maintained side and backyard space, Prime Location. Conveniently located near: Brownwood Paddock Square, Lake Okahumpka Recreation Center, Richmond Pitch & Put, Pools, golf courses, recreation sports, Walking trails, shopping, restaurants, and entertainment. Just a short drive or golf cart ride to: Sawgrass Grove, Ezell Regional Recreation Center, Eastport, Middleton & Lake Sumter. POSSIBLE Lease Option to Buy – Inquire for Details FULLY FURNISHED!!

The essentials

Built
2022
Price / sqft
$257
On market
350 days
Annual tax
$4,613
Flood zone
X · Low risk
Lot
5,959 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
Driveway
5,959 sqft lot
Lot size
1,206 sqft
Living area

Payment

Est. monthly payment
$2,155/mo
Down payment (20%)
$61,980
Property taxes
$384/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
5,959 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
Driveway, Garage Door Opener, Ground Level, Off Street
Days on Market
350
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Thermostat
Lighting
Sliding Doors
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone X
Annual Tax (2024)
$4,613
Parcel #
G20N024

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
Southern Oaks Un #107
County
Sumter
MLS Area
32163 - The Villages
Lot Size
5,959 sqft
LevelNear Golf CoursePaved

Price history

Date
Event
Price
5/6/2026
Price change
Source: Stellar MLS #TB8444383
$309,900-5.4%
$257/sqft
-
Price change
Source: Stellar MLS #TB8444383
$327,500-3.6%
$272/sqft
11/3/2025
Listed for sale
Source: Stellar MLS #TB8444383
$339,900
$282/sqft

Neighborhood

2845 Charity Loop
The Villages, FL, 32163 · 32163 - The Villages

Market insights

Offer Insights

Choose an offer strength

List price: $309,900
$302,500 – $309,900
97.9% – 100% of listTops out right at the list price
80% of listList price
83 of the last 164 home closings in 32163 landed at this number or higher (51%). The median one sat 33 days before it went under contract, and this one is on day 350 after a $30,000 cut.

Sample: 164 closed home sales in 32163 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,156/mo
Principal & interest$1,616
Property taxes$384
Insurance$155
Down payment20% · $61,980
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

$309,900

$257 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,206 sq ft

Time on market

350 days

Year built

2022

Monthly payment

About $2,155/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,613 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

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Brokered byWWW.HOMEZU.COMListing agent: Jason SaphireListing data from Stellar MLS, MLS# TB8444383.

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