3984 MCDOWELL DRIVE, THE VILLAGES, FL, 32163
Active128 days on marketListed Apr 4, 2026MLS #G5110543
About this home
3984 MCDOWELL DRIVE
One or more photo(s) has been virtually staged. Welcome to this beautifully upgraded block and stucco Gardenia model perfectly positioned on a premium corner homesite offering both space and privacy! From the moment you arrive, you’ll appreciate the charming front porch, incredible curb appeal, and thoughtfully designed outdoor living areas—including a side brick paver patio with fire pit and an additional rear patio, creating the ideal setting for relaxing or entertaining. Step inside and you’re greeted by volume ceilings, rounded drywall corners, plantation shutters, and a light, bright open layout that truly lives large. The kitchen is an absolute showstopper, featuring rich espresso (Java) staggered cabinetry, stunning Cambria quartz countertops inspired by the iconic look at Bluefin, and stainless steel appliances including a French door refrigerator. This is not your typical Villages kitchen—these countertops were a custom upgrade and truly elevate the entire space. The home offers tile flooring in all wet areas, and newly installed luxury vinyl flooring everywhere else, knockdown ceilings, and a seamless flow perfect for gatherings. The spacious primary suite features a tray ceiling, dual vanities, and a Roman shower, creating a true retreat. Car enthusiasts and golf cart lovers will appreciate the 2-car plus FULL DEPTH golf cart garage, providing plenty of room for vehicles, storage, and toys. The garage is also equipped with a Culligan water softener system, enhancing water quality throughout the home. Outside, the professionally landscaped yard wraps the entire property and has been recently refreshed, offering a lush and inviting environment year-round. The home also features a Roof Maxx treatment, designed to extend the life of the roof and add long-term value. One of the most unique features of this homesite is its exceptional privacy—backing to the side of another home rather than directly behind, giving you a more open and peaceful feel rarely found. Freshly painted on the exterior approximately one year ago, this home is move-in ready and meticulously maintained. If you’re looking for a home that stands out from the rest with custom upgrades, incredible outdoor living, and a fantastic layout for entertaining—this is it!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,926
Sqft
0.18 ac
Lot size
3
Garage
2016
Year built
One
Levels
$280
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,088 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,088/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.9%
$/sqft vs VILLAGES/SUMTER
$280 vs $266
Days on market
128 vs 51 typical
Where $280/sqft sits among the 28 homes for sale in VILLAGES/SUMTER
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside The Villages
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know The Villages. See the full The Villages guide →
THE VILLAGES 32163 — neighborhood snapshot
Population
30,886
Median age
70.1
Median income
$94,565
Median home value
$472,600
Avg household
1.85
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The The Villages market
$365K → $340K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
17 of 28
VILLAGES/SUMTER have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the THE VILLAGES 32163 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 3984 MCDOWELL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$454,900
1450 LUCKETT COURT · same community
3 bd · 2 ba · 1,925 sqft · $236/sqft · 14 DOM
Sold · Feb ’26$360,000
710 ANTONIA LANE · same community
3 bd · 2 ba · 1,924 sqft · $187/sqft · 252 DOM
Sold · Dec ’25$435,000
3978 NOTTINGHAM LOOP · same community
3 bd · 2 ba · 1,854 sqft · $235/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3984 MCDOWELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3984 MCDOWELL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
3984 MCDOWELL DRIVE FAQs
What would the monthly payment be for 3984 MCDOWELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,088/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3984 MCDOWELL DRIVE?+
The most recent tax bill on record (2025) was $6,131. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3984 MCDOWELL DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in The Villages?+
At $539,900, this home is listed about 39% above the The Villages median of $389,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3984 MCDOWELL DRIVE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$539,900 runs 15% above the THE VILLAGES 32163 median — but at 1,926 sqft it's also 23% larger than the typical The Villages listing.
02Time on market is leverage
128 days on market against a The Villages median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $569,900, now $539,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Chris Day. MLS #G5110543.
IDX 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 accurate by Stellar MLS.
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