646 STRATFORD LANE, THE VILLAGES, FL, 32162
Active162 days on marketListed Mar 5, 2026MLS #OM719997
About this home
646 STRATFORD LANE
Motivated Seller! This updated Bridgeport Designer home with a golf cart garage is nestled on a quiet cul-de-sac in the VILLAGE OF BONNYBROOK, so close to everything The Villages! The home features three bedrooms, two full bathrooms, and a powder room conveniently located off the grand foyer. The entry showcases a beautiful, beveled glass front door with matching side light, welcoming you from the attractive paver driveway, sidewalk, and front porch. Upon entering, you'll enjoy a clear view straight through to the back of the house. In this split bedroom layout, two guest rooms at the front are connected by a Jack & Jill bathroom. The expansive living/great room includes a solar tube for natural light, while the dining room offers a tray ceiling. The generous kitchen is equipped with abundant cabinetry, and island and granite countertops. Adjacent to the kitchen, you'll find the Florida Room through French doors, which features paver stone flooring, acrylic windows, and a vaulted ceiling, plus a door leading out to the backyard. Off the dining room is a screened lanai, perfect for unwinding. The primary bedroom boasts double-door entry, engineered hardwood floors, a two-foot bump out and tray ceiling, and an elegant ensuite with dual vanities topped with granite, a dedicated makeup station, a spacious walk-in closet, and a Roman shower. There is a Tankless water heater, the Roof was replaced in 2022, the HVAC was replaced in 2015 and has been meticulously maintained. The seller is providing a 1-Year Broward Factory Service Home Warranty. This home is easy to show! Call now to schedule your visit to this beautiful home! ***Some photos have been virtually staged.***
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,245
Sqft
0.19 ac
Lot size
3
Garage
2006
Year built
One
Levels
$249
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.
$3,891 /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
$3,891/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
+7.7%
$/sqft vs THE VILLAGES
$249 vs $253
Days on market
162 vs 53 typical
Where $249/sqft sits among the 221 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
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The The Villages market
$365K → $341K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
122 of 221
THE VILLAGES have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% 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 646 STRATFORD LANE
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$495,000
1903 IBARRA PLACE · same community
3 bd · 2 ba · 2,310 sqft · $214/sqft · 1 DOM
Sold · May ’26$544,000
1198 READING ROAD · same community
3 bd · 2.5 ba · 2,168 sqft · $251/sqft · 23 DOM
Sold · Dec ’25$850,000
728 DOWDING WAY · same community
3 bd · 2 ba · 2,443 sqft · $348/sqft · 4 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 646 STRATFORD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 646 STRATFORD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
646 STRATFORD LANE FAQs
What would the monthly payment be for 646 STRATFORD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,891/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 646 STRATFORD LANE?+
The most recent tax bill on record (2025) was $2,248. 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 646 STRATFORD LANE?+
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 $559,900, this home is listed about 45% above the The Villages median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 646 STRATFORD LANE?+
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
$559,900 runs 60% above the THE VILLAGES 32162 median — but at 2,245 sqft it's also 47% larger than the typical The Villages listing.
02Time on market is leverage
162 days on market against a The Villages median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $569,900, now $559,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Jaylene Sheldon. MLS #OM719997.
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 646 STRATFORD LANE 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 Nicholas to ping you on any price or status change →