
974 JAY STREET, THE VILLAGES, FL, 32163
Active5 days on marketListed Oct 7, 2026MLS #G5118487
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
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.
$3,159 /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
$3,159/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 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
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 → $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
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.
Sold · Apr ’26$325,000
17860 SE 89TH NATCHEZ AVENUE · same community
3 bd · 2 ba · 1,625 sqft · $200/sqft · 276 DOM
Sold · Dec ’25$380,000
1393 DUCKSBURY STREET · same community
3 bd · 2 ba · 1,574 sqft · $241/sqft · 15 DOM
Sold · 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.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 974 JAY STREET — start here.

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.
Keep looking
Similar homes nearby
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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