
1089 VANCE TRAIL, THE VILLAGES, FL, 32162
Active10 days on marketListed Sep 10, 2026MLS #G5117590
About this home
1089 VANCE TRAIL
Some homes are special because of their finishes. Others are special because of their setting. 1089 Vance Trail is exceptional because it offers both. An extraordinary four-bedroom, three-bath residence in the Village of Caroline, this one-of-a-kind property enjoys breathtaking, unobstructed Preserve views, remarkable privacy, and an elevated indoor-outdoor lifestyle rarely found in The Villages. Add to all of this, home is offered furnished ! (Very few exceptions) From the moment you arrive, the difference is unmistakable. Thoughtfully designed for sophisticated Florida living, the home features two private primary suites, creating an ideal arrangement for luxurious everyday living while offering family and overnight guests an exceptional degree of comfort, privacy, and independence. Beautifully appointed spaces and thoughtful updates throughout enhance both comfort and sophistication. The gourmet kitchen features gas cooking, a wall oven, generous island, and under-cabinet lighting. The adjoining laundry room elevates everyday living with high-end washer and dryer appliances and a dedicated coffee bar. Step outside and discover an entertainer’s dream. Multiple outdoor living areas create an effortless connection between the indoors and the natural beauty beyond. Enjoy al fresco dining from the gas summer kitchen, relax beneath either of two separate covered outdoor living spaces, or simply take in the tranquil Preserve setting with complete privacy and spectacular views. The home continues to impress with a whole-home sound system, automated blinds, four solar tubes, and an HVAC air-cleaning system. Beautiful wood flooring graces both primary suites. The private second suite also features its own entrance from the garage and a separate HVAC system—an exceptional feature for extended family or guests. The meticulously manicured landscape and paver driveway provide an elegant welcome, while the exceptionally appointed garage offers an insulated garage door, extensive cabinetry, a hobby table/workbench, two refrigeration units including a freezer, and a dedicated golf cart garage. This is far more than a place to park—it is a remarkably functional extension of the home. Additional features include gutters throughout and a French drain system. HVAC replaced in 2018; water heater replaced in 2017, roof in 2023, Generator installed in 2018. This remarkable residence offers something increasingly difficult to find: two true private primary suites, sophisticated indoor living, extraordinary outdoor entertaining spaces, and an unobstructed Preserve backdrop that provides beauty, serenity, and privacy every day. A rare property that transcends the ordinary, 1089 Vance Trail is a truly distinctive Villages residence for the buyer who appreciates exceptional setting, thoughtful design, and a home that simply cannot be duplicated.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,000
Sqft
0.2 ac
Lot size
2
Garage
2006
Year built
One
Levels
$498
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.
$9,364 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,364/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+307.7%
$/sqft vs VILLAGES OF SUMTER
$498 vs $251
Days on market
10 vs 50 typical
Where $498/sqft sits among the 59 homes for sale in VILLAGES OF 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 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)
32 of 59
VILLAGES OF SUMTER have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 315% 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 1089 VANCE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$860,000
2119 CHALMER TERRACE · same community
4 bd · 2 ba · 2,928 sqft · $294/sqft · 30 DOM
Sold · Jan ’26$720,000
1091 NOBLE WAY · same community
3 bd · 2 ba · 2,234 sqft · $322/sqft · 62 DOM
Sold · Feb ’26$610,000
1644 DUFFY LOOP · same community
3 bd · 2 ba · 1,978 sqft · $308/sqft · 1 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 1089 VANCE TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1089 VANCE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1089 VANCE TRAIL FAQs
What would the monthly payment be for 1089 VANCE TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,364/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 1089 VANCE TRAIL?+
The most recent tax bill on record (2025) was $6,897. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in The Villages?+
At $1,495,247, this home is listed about 294% 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 1089 VANCE TRAIL?+
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 GOLDKEY REAL ESTATE PARTNERS LLC · Jayne Marvin. MLS #G5117590.
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.
Never miss a listing
New The Villages homes, in your inbox
Like 1089 VANCE TRAIL but not quite? A daily digest of every new listing in The Villages — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →


