438 TROY LOOP, THE VILLAGES, FL, 32162
Active12 days on marketListed Sep 9, 2026MLS #G5117577
About this home
438 TROY LOOP
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!"
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,918
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
One
Levels
$258
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.
$3,614 /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
$3,614/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
−2.1%
$/sqft vs THE VILLAGES
$258 vs $247
Days on market
12 vs 50 typical
Where $258/sqft sits among the 210 homes for sale in THE VILLAGES
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 32162 — neighborhood snapshot
Population
54,019
Median age
74.2
Median income
$73,927
Median home value
$358,100
Avg household
1.72
Households w/ children
135
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The The Villages market
$365K → $360K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
114 of 210
THE VILLAGES have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the THE VILLAGES 32162 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 438 TROY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$540,000
4528 HAYWARD PATH · same community
3 bd · 3 ba · 1,911 sqft · $283/sqft · 103 DOM
Sold · Dec ’25$530,000
2108 CLARKS HILL WAY · same community
3 bd · 2 ba · 1,927 sqft · $275/sqft · 9 DOM
Sold · Dec ’25$450,000
2184 MARKRIDGE LOOP · same community
3 bd · 2 ba · 1,939 sqft · $232/sqft · 22 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 438 TROY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 TROY LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
438 TROY LOOP FAQs
What would the monthly payment be for 438 TROY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,614/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 438 TROY LOOP?+
The most recent tax bill on record (2025) was $3,858. 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 438 TROY LOOP?+
The listing reports pets: Cats OK, Dogs OK. 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 $494,900, this home is listed about 30% above the The Villages median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 438 TROY LOOP?+
Harbour View Elementary School (elementary), Lake Weir Middle School (middle), Belleview High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SOUNDINGS, LLC · Lili Whittington. MLS #G5117577.
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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