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Price Improved! Seller pays Initiation Fee of $2, 500 at Closing! Move-In ready 4BR/3BA, 2, 900 SF golf and pond front home in Harbor Hills near The Villages, FL. NO Bond or CDD. This is a Parade of Homes winning model home is a meticulously maintained single-story residence
offering tranquil golf course and pond views within a 24-hour guard-gated multigenerational community. It is priced to sell alongside homes built a decade or more earlier, creating a clear newer-construction advantage. Constructed in 2019 with modern systems designed for improved energy performance and cost efficiency compared to older homes, the property combines block construction and a split-bedroom layout that supports long-term durability and functional flexibility while maintaining an open design suited for everyday living and entertaining. Interior features include coffered and tray ceilings, stacked crown molding, plantation shutters, 8-foot interior doors, and upgraded finishes throughout. The kitchen features quartz countertops, a generous center island, walk-in pantry, induction range, stainless steel appliances, oversized appliance storage, and custom dry bar cabinetry. The primary suite includes dual walk-in closets with built-ins and an ensuite bath with a soaking tub, oversized walk-in shower, dual vanities, and a Toto Washjet water closet. Two additional bedrooms offer walk-in closets and share a full bath, while the fourth bedroom with custom built-ins functions seamlessly as an office or guest suite with adjacent full bath access. A glass-enclosed lanai adds approximately 400 square feet of climate-controlled living space supported by a Mitsubishi mini-split system and positioned to capture sweeping golf and pond views. The panoramic screened paver birdcage extends outdoor enjoyment and the 0. 34-acre lot allows room for a future pool, subject to HOA approval. The 2. 5-car side-entry garage includes Trac flooring, golf cart parking, and a power attic lift. Septic has been recently pumped and the roof soft washed, reflecting careful ownership and true move-in readiness. HOA is $182 per month and includes 24-hour guard service and private roads. A required Social Membership is $230 per month providing access to the clubhouse, resort-style pool, fitness center, tennis, pickleball, dining, and community events, with optional golf and marina access available separately. UF Health The Villages Hospital is less than 15 minutes away. The Villages community offering live nightly entertainment is approximately 15 minutes away. Orlando International Airport and Walt Disney World are just over one hour away, and the World Equestrian Center in Ocala is under one hour, providing regional accessibility while maintaining a private residential setting and refined Florida living.
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Our Executive Mortgage Banker:
Our Insurance Division:
$645,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $516,000 | $516,000 | $516,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $471 | $471 | $471 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,090 | $3,219 | $4,250 |
| Total Monthly Payment | $3,653 | $3,782 | $4,813 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.