Question 1

How do I start my home search around The Villages, FL?

Accepted Answer

Get pre-approved to set a budget, then set up saved MLS searches with a local agent for new listings, price drops, and open houses.

Question 2

Is The Villages a 55+ community and are there age restrictions?

Accepted Answer

Most neighborhoods in The Villages are age-restricted 55+. Some nearby communities are not. Confirm rules for the specific village or subdivision before you buy.

Question 3

What is a CDD or bond in The Villages?

Accepted Answer

A Community Development District (CDD) funds infrastructure through a bond that is repaid via annual assessments on your tax bill. Always check the remaining bond balance and yearly assessment for each property.

Question 4

What fees should I expect (HOA and amenity fees)?

Accepted Answer

Many areas have HOA dues plus a monthly amenity fee for facilities and recreation. Amounts and inclusions vary by village; verify the latest figures during your home search.

Question 5

Can I get around by golf cart?

Accepted Answer

Yes, The Villages is golf-cart friendly with extensive paths. Rules vary by route and road type. Confirm access from the home to town squares, shopping, and recreation.

Question 6

Should I buy new construction or a resale home?

Accepted Answer

New construction offers warranties and modern finishes; resale homes may have mature landscaping, established neighborhoods, and faster move-in. Compare total costs, CDD/HOA fees, lot orientation, and upgrades.

Question 7

How competitive is the market and do I need pre-approval?

Accepted Answer

Desirable homes can sell quickly, especially in peak seasons. A pre-approval strengthens your offer and speeds up timelines.

Question 8

What contingencies are common in offers?

Accepted Answer

Inspection, appraisal, financing, and clear title are typical. Your agent will tailor timelines based on market conditions and your risk tolerance.

Question 9

How long does closing usually take?

Accepted Answer

Financed purchases generally close in 30–45 days after contract acceptance; cash deals may close sooner depending on inspection and title work.

Question 10

What are typical buyer closing costs in Florida?

Accepted Answer

Expect around 2%–4% of the purchase price for lender fees, title insurance, escrows, and prepaid items. Costs vary by loan type and county.

Question 11

How can I estimate property taxes and exemptions?

Accepted Answer

Use the county property appraiser’s estimator and verify any CDD assessments. Florida’s Homestead Exemption and Save Our Homes cap may reduce taxes for primary residences.

Question 12

Are short-term or seasonal rentals allowed?

Accepted Answer

Rental rules depend on deed restrictions, HOA policies, and local ordinances. Confirm minimum lease terms and approval requirements for the specific property.

Question 13

What inspections are recommended?

Accepted Answer

A general home inspection is standard. Many buyers also order wind mitigation, 4-point, roof, and WDO (termite) inspections, especially for insurance and older homes.

Question 14

Do I need to consider flood or hurricane risk in Central Florida?

Accepted Answer

Review FEMA flood maps, insurance requirements, and the home’s claim history. Ask about wind mitigation features and storm protections to help with coverage and premiums.

Question 15

Can I pay off the CDD bond early?

Accepted Answer

Some CDD bonds allow payoff; others require annual payments over time. The seller or title company can provide the current payoff amount and options.

Question 16

What neighborhoods near The Villages should I consider if I want non-55+ options?

Accepted Answer

Several nearby communities offer non-age-restricted living. Your agent can recommend areas that match your preferences for schools, commute, amenities, and budget.

Question 17

How do I schedule showings and make an offer from out of state?

Accepted Answer

Virtual tours, live video showings, e-signatures, and remote closings are common. Your agent and title company can coordinate fully remote transactions.

Frequently Asked Questions

Real Estate FAQs: Buying and Selling Homes in The Villages, FL

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Can I sell my current home and buy in The Villages at the same time?

How far is The Villages, FL from Orlando and Tampa?

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