1028 Cottage Drive, FL
Stellar MLS

$1,090,000

1028 Cottage Drive

The Villages, FL 32162

Active
2
Beds
2
Baths
2,525
Sq Ft
0.16
Acres
2004
Built
55+ community$432/sqft360° tour
Single Family Residence

Property type

2004

Year built

6,796 sqft

Lot size

$432

Price / sq ft

No HOA

HOA dues

135

Days on market

2

Garage spaces

X

Flood zone

About this home

Welcome to an exceptional opportunity to own a fully furnished, turn-key luxury home in one of the most exclusive and sought-after neighborhoods in The Villages—The Lakeshore Cottages at Lake Sumter Landing. Perfectly positioned on an oversized homesite, this beautifully enhanced residence delivers elegance, comfort, and convenience in a setting designed for an elevated lifestyle. From the moment you arrive, the artfully color-coated driveway, mature landscaping, and manicured grounds create striking curb appeal. An irrigation system keeps the grounds lush year-round, while a fully paid bond (NO CDD fee!) adds long-term value and peace of mind. And yes—the golf car conveys, because life here is meant to be enjoyed with ease. This thoughtfully designed 2-bedroom, 2-bath home offers versatile living spaces that adapt effortlessly to your lifestyle. A screened front porch welcomes you home, perfect for morning coffee or evening conversation, while the wrap-around screened lanai provides a relaxing outdoor retreat for year-round enjoyment. Inside, vaulted ceilings create an open, airy feel that complements the refined finishes throughout. The gourmet kitchen is both beautiful and functional, featuring granite countertops, maple and silk/bisque cabinetry, and a gas range—ideal for anyone who loves to cook or entertain. Every detail has been carefully selected to balance style with everyday livability. Beyond the main living areas, you’ll find a den/study ideal for reading, working, or quiet reflection, along with a dedicated hobby room that opens the door to creativity, organization, or additional flex space. Whether hosting guests or enjoying a peaceful evening in, this home adapts effortlessly to every season of life. What truly sets this residence apart is its location. Lakeshore Cottages is known for its charming homes wrapped in spacious porches found nowhere else in the community, surrounded by lush landscaping and timeless architecture. The private neighborhood pool, located at the heart of the community, is the perfect place to cool off, relax, or connect with neighbors. Just around the corner, Lake Sumter Landing Market Square offers an unmatched lifestyle experience with shopping, dining, waterfront views, and nightly entertainment. From live music to waterfront strolls, everything you love about The Villages is moments from your front door. This is more than a home—it’s a refined retreat where luxury meets ease, where thoughtful enhancements elevate everyday living, and where one of the most desirable addresses in The Villages invites you to enjoy life exactly the way it was meant to be lived. PLEASE NOTE: Any and all Seller Concessions will be considered when Buyer uses Seller Approved Lender.

Estimated monthly payment

Principal & interest$5,512
Property taxes$537
Home insurance (est.)$500

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history135 days on market

  1. Status: Active
    Mar 4, 2026
  2. Listed$1,199,000
    Dec 31, 2025
  3. Price reduced$1,090,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
135
Subdivision
Villages Of Sumter Lake Shore Cottages
County
Sumter
Year built
2004
Living area
2,525 sq ft
Price/sq ft
$432
Building area
3,302 sq ft (Owner)
Lot size
6,796 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12119C0086D)
Garage
2 spaces
Annual taxes
$6,442 (2025)
Parcel #
D23C009
Zoning
R
MLS #
O6368796

Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Other
Appliances
Dishwasher, Disposal, Dryer, Microwave, Washer
Interior features
Other
Laundry
Inside
Stories / Levels
Two
Direction faces
Southeast

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Other
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available

Community

Senior community
Yes

Room Details

RoomLevelDimensions
Primary BedroomFirst
KitchenFirst
Living RoomFirst

Listing Details

Listing date
2025-12-31
On market date
2025-12-31
Original list price
$1,199,000
Occupant type
Vacant
MLS area
32162 - Lady Lake/The Villages
Listing AOR
Orlando Regional
Status changed
2026-03-04
Tax legal description
LOT 9 THE VILLAGES OF SUMTER LAKE SHORE COTTAGES PB 7 PGS 24-24D

Flood risk

Minimal riskFEMA Zone XPanel 12119C0086D

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Follow US-301 S to E County Rd 466/Sumter County Rd 466 E in Wildwood. Turn right onto US-301 S/US-441 S. Slight right onto US-301 S/Abshier Blvd. Continue on E County Rd 466/Sumter County Rd 466 E. Drive to Cottage Dr in The Villages. Turn left onto E County Rd 466/Sumter County Rd 466 E. Turn right onto Morse Blvd.At the traffic circle, take the 2nd exit and stay on Morse Blvd. At the traffic circle, take the 1st exit onto Lake Sumter Landing. Turn right onto Lake Shore Dr. Turn right onto Fish Camp Rd. Turn right onto Cottage Dr. Destination will be on the right.

More homes like this

MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 30, 2026 at 1:06 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA