2845 CHARITY LOOP, THE VILLAGES, FL, 32163
Active279 days on marketListed Nov 3, 2025MLS #TB8444383
About this home
2845 CHARITY LOOP
Welcome to The Village of Richmond – Topaz Model, Vinyl Sided, Furnished Patio Villa with Possible Lease Option to Buy Comfort meets elegance in this spacious two-bedroom, two-bath, 2 car garage where you will step inside & you’re greeted by a bright, open-concept retreat designed for both relaxation and entertaining. The professionally decorated interior features high-end touches and calming finishes that create a warm, inviting atmosphere. The living area flows seamlessly into the dining and kitchen spaces, allowing for easy conversation and effortless hosting. The oversized kitchen island provides generous seating and is perfect for gathering with guests. The eat-in kitchen showcases: shaker-style cabinetry, Gas stainless steel appliances, Ample counter space, Abundant storage & modern amenities, Laundry Area. The primary suite is a true sanctuary, featuring a king-size bed and a private en-suite bath with Double sink vanity, Walk-in shower, Spacious walk-in closet. The second bedroom offers a queen-size bed, high ceilings, ceiling fan, and plenty of storage. A full hall bathroom with tub/shower combination and single sink vanity serves guests comfortably. Additional features include: Dedicated laundry area, Multiple storage closets, Sliders leading to a private patio, Nicely maintained side and backyard space, Prime Location. Conveniently located near: Brownwood Paddock Square, Lake Okahumpka Recreation Center, Richmond Pitch & Put, Pools, golf courses, recreation sports, Walking trails, shopping, restaurants, and entertainment. Just a short drive or golf cart ride to: Sawgrass Grove, Ezell Regional Recreation Center, Eastport, Middleton & Lake Sumter. POSSIBLE Lease Option to Buy – Inquire for Details FULLY FURNISHED!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,206
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$257
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.
$2,506 /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
$2,506/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
+1.8%
$/sqft vs The Villages actives
$257 vs $255
Days on market
279 vs 52 typical
Where $257/sqft sits among the 400 The Villages actives
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 → $340K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
220 of 400
The Villages actives have cut their price
Median sold price, The Villages, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% 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 2845 CHARITY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$290,000
2747 DYSON LOOP
2 bd · 2 ba · 1,203 sqft · $241/sqft · 89 DOM
Sold · Sep ’25$275,000
3283 DAWN PLACE
2 bd · 2 ba · 1,223 sqft · $225/sqft · 73 DOM
Sold · Apr ’26$70,000
3726 COUNTY ROAD 507
3 bd · 2 ba · 1,176 sqft · $60/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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 2845 CHARITY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2845 CHARITY LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2845 CHARITY LOOP FAQs
What would the monthly payment be for 2845 CHARITY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,506/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 2845 CHARITY LOOP?+
The most recent tax bill on record (2024) was $4,613. 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 $309,900, this home is listed about 22% below the The Villages median of $394,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2845 CHARITY LOOP?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the THE VILLAGES 32163 market on paper
$309,900 is 35% below the THE VILLAGES 32163 median of $474,344, and at $257/sqft it sits under the The Villages average of $271.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
279 days on market against a The Villages median of 52 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $339,900, now $309,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WWW.HOMEZU.COM · Jason Saphire. MLS #TB8444383.
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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