CENTURY 21 Edge
$439,0003 bd2 ba1,647 sqft$267 /sqft≈$3,159 /mo all-in ↓

974 JAY STREET, THE VILLAGES, FL, 32163

Active5 days on marketListed Oct 7, 2026MLS #G5118487

✦ Priced 4% below the THE VILLAGES 32163 medianSingle Family ResidenceTHE VILLAGES

About this home

974 JAY STREET

WELCOME TO THE VILLAGE OF CHITTY CHATTY IN THE VILLAGES, FLORIDA! This beautiful 2021 MONTCLAIR COURTYARD VILLA in TY VILLAS offers 3 BEDROOMS, 2 BATHROOMS, a TWO-CAR GARAGE WITH SEPARATE BAYS, POND AND PRESERVE VIEWS, and ROOM FOR A POOL! From the moment you arrive, you'll appreciate the inviting FRONT PORCH OVERLOOKING THE POND DIRECTLY ACROSS THE STREET—a peaceful place to begin or end your day in Central Florida. Step inside this BLOCK & STUCCO courtyard villa and discover an open, inviting floor plan with VAULTED CEILINGS and PLANK TILE FLOORING THROUGHOUT—NO CARPET! The kitchen features STONE COUNTERTOPS, STAINLESS STEEL APPLIANCES, a FARMHOUSE SINK, TILE BACKSPLASH, and cabinetry enhanced with UNDER-CABINET AND TOE-KICK LIGHTING. Updated lighting over the KITCHEN BAR AND DINING AREA adds another stylish touch, while matching STONE COUNTERTOPS THROUGHOUT THE KITCHEN, BATHROOMS, AND LAUNDRY AREA create a cohesive look. The main living area opens to the private courtyard through TWO SETS OF SLIDING GLASS DOORS, creating an easy connection between indoor and outdoor living. SUNSHADES THROUGHOUT and tinted windows throughout most of the home add comfort and privacy. The spacious PRIMARY SUITE features a TRAY CEILING, while the primary bathroom offers a DUAL-SINK VANITY, ABUNDANT CABINET STORAGE, STONE COUNTERTOPS, and a ROMAN WALK-IN SHOWER. Two additional bedrooms and a guest bathroom provide plenty of space for visitors, hobbies, or a home office. The laundry area is equally functional with STONE COUNTERTOPS, a WASH TUB, AND ADDITIONAL STORAGE. Step outside to your PRIVATE COURTYARD AND LARGE LANAI overlooking the PRESERVE. The fenced outdoor space provides privacy while allowing you to enjoy the natural preserve setting beyond—and there's ROOM FOR A POOL to create your own Florida backyard retreat. Located in the VILLAGE OF CHITTY CHATTY IN THE VILLAGES, FL, this home puts recreation and everyday conveniences within easy reach. Enjoy the nearby CHITTY CHATTY RECREATION AREA, walking and biking opportunities, convenient access to LAKE DEATON PLAZA, and all the dining, shopping, entertainment, golf, recreation, and activities that make THE VILLAGES, FLORIDA lifestyle so popular. BROWNWOOD PADDOCK SQUARE is also just 5.7 miles, SAWGRASS GROVE is only 3.4 Miles, and for dining, shopping, and nightly entertainment. POND VIEW IN FRONT, PRESERVE VIEW IN BACK, PRIVATE COURTYARD, ROOM FOR A POOL, TWO-CAR GARAGE, NO CARPET, AND A 2021 BLOCK & STUCCO HOME—THIS MONTCLAIR COURTYARD VILLA IN CHITTY CHATTY OFFERS AN IMPRESSIVE COMBINATION OF PRIVACY, LOCATION, AND THE VILLAGES LIFESTYLE!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,647

Sqft

0.14 ac

Lot size

2

Garage

2021

Year built

One

Levels

$267

Per sqft

Negotiable55+ communityPets allowed

Inside

FlooringTile
AppliancesDishwasher · Microwave · Range · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Stone Counters
LaundryOther
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNortheast
ExteriorCourtyard · Irrigation System · Lighting · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$2,648/yr
PetsYes
CommunityClubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf · No Truck/RV/Motorcycle Parking · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,159 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property tax — 2025 actual bill$221
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,365Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,365
Interest rate6.00%
Loan term

Estimated payment

$3,159/mo

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property taxes (actual bill)$221
Est. insurance$160

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.

List $439K
$376KedgeAI estimate $435,050 · range $392K–$479K$498K

vs edgeAI estimate

+0.9%

$/sqft vs THE VILLAGES

$267 vs $249

Days on market

5 vs 46 typical

Where $267/sqft sits among the 209 homes for sale in THE VILLAGES

63
73
35 · this home
15
8
15
$196–231$231–266$266–301$301–336$336–372$372+

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

Downtown Orlando≈ 61 min
Universal Orlando≈ 63 min
Walt Disney World≈ 71 min
Orlando Int’l Airport (MCO)≈ 75 min

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

ElementaryWildwood Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The The Villages market

Seller’s marketSeller’s market — 2.7 months of inventoryBuyer’s market

$365K → $360K

The Villages median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

100 of 209

THE VILLAGES have cut their price

Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 4% below the THE VILLAGES 32163 median. See the full The Villages market guide →

Paper trail

This home's history

Oct 7, 2026Listed at $439,000 · 5 days on market since
2021Built · THE VILLAGES

Reality check

What actually sold near 974 JAY STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

17860 SE 89TH NATCHEZ AVENUESold · Apr ’26

$325,000

17860 SE 89TH NATCHEZ AVENUE · same community

3 bd · 2 ba · 1,625 sqft · $200/sqft · 276 DOM

1393 DUCKSBURY STREETSold · Dec ’25

$380,000

1393 DUCKSBURY STREET · same community

3 bd · 2 ba · 1,574 sqft · $241/sqft · 15 DOM

1089 ISLE OF PALMS PATHSold · Dec ’25

$403,000

1089 ISLE OF PALMS PATH · same community

3 bd · 2 ba · 1,532 sqft · $263/sqft · 65 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 974 JAY STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 974 JAY STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

974 JAY STREET FAQs

What would the monthly payment be for 974 JAY STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,159/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 974 JAY STREET?+

The most recent tax bill on record (2025) was $2,648. 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 974 JAY STREET?+

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 $439,000, this home is listed about 10% above the The Villages median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 974 JAY STREET?+

Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REALTY EXECUTIVES IN THE VILLAGES · Crystal Burbage. MLS #G5118487.

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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974 JAY STREET, THE VILLAGES, FL — 3 Bed, 2 Bath — $439,000 | CENTURY 21 Edge