1040 Cottage Drive, FL1040 Cottage Drive, FL1040 Cottage Drive, FL
Stellar MLS
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$1,399,900

1040 Cottage Drive

The Villages, FL 32162

Listing updated: August 1, 2026 at 8:06 AM ET

Active
Stellar MLSListing courtesy of Realty Executives In The Villages · Jana Raber · MLS #G5115808 · Active · 352-753-7500
3
Beds
3
Baths
2,042
Sq Ft
0.21
Acres
2004
Built
Private pool55+ community$686/sqft360° tour
Single Family Residence

Property type

2004

Year built

9,212 sqft

Lot size

$686

Price / sq ft

No HOA

HOA dues

2

Days on market

1

Garage space

X500*

Flood zone

About this home

BOND PAID, COMPLETELY REMODELED, over 2,300 sq. ft. 3/2 COTTAGE with SALT WATER, HEATED POOL and TRAVERTINE DECKING located in the LAKE SHORE COTTAGES right next door to LAKE SUMTER LANDING! The homes in this Village are known for their unique architectural features with spacious screened porches found nowhere else in The Villages. Enjoy a low maintenance exterior and beautiful curb appeal with HARDIE PLANK SIDING, METAL roof and an amazing front porch with WOOD-LOOK PORCELAIN flooring, BEADBOARD ceiling, attractive RAILING, custom ceiling fans, and that’s before you even open the LEADED GLASS front door! Once inside, you’ll find NEW high end LUXURY VINYL PLANK flooring throughout the home. All of the columns, and separate living areas were removed to create a spacious OPEN FLOOR PLAN. Large windows let in plenty of natural light, with all NEW lighting including pendant lights over the breakfast bar, and chandelier’s over the formal and casual dining areas defining each area. Some of the extras include CROWN MOLDING, & 8” baseboards throughout, ! The kitchen has GRANITE countertops and backsplash, all new high end appliances ,under cabinet lighting, closet PANTRY, a FARMHOUSE sink, and a spigot at the sink with a REVERSE OSMOSIS system. The 15’x16’ guest bedroom/den and HALF BATH was added behind the LEADED GLASS French doors, with 13’ ceilings, and sliding glass doors that open out to the BEAUTIFUL SALT WATER HEATED POOL with waterfall, beautiful TRAVERTINE decking, with wrap around PRIVACY WALL on one side and an open view of the lovely garden on the other. The primary bedroom has a WALL MOUNTED TV, PLANTATION SHUTTERS, and an all NEW EN-SUITE BATH with large WALK-IN CLOSET, NEW cabinets, GRANITE countertops, CUSTOM mirrors, fixtures, and NEW walk-in shower with 2 SHOWERHEADS. The other guest room has lovely custom valances with 2 double sliding closet doors – a full wall of closet space and a WALL MOUNTED TV! The all NEW guest bath has GRANITE countertops, NEW LIGHTED VANITY MIRROR with adjustable settings, CUSTOM shower curtain, lovely subway tile with tub/shower, and a one piece SMART AUTOMATIC TOILET. And wait until you see the spectacular 29’x10’ room that was created off the living room across the back of home that opens out to the POOL AREA. Beautiful DIAGONAL TILE flooring, floor to ceiling “hurricane” glass picture windows, beadboard ceiling, and a MINI-SPLIT system so this delightful room is comfortably under HEAT and AIR. AND step outside from this room to a NEW elevated OPEN PATIO with railing for a great view of the flower garden, spacious backyard and beyond to the WATER VIEW. Other features include a Kinetico WATER filtration and softener whole house system, EPOXY painted garage flooring, gutters around the entire home, FRESHLY PAINTED EXTERIOR, NEWER HVAC SYSTEM to accommodate newly added sq. footage, and TANKLESS WATER HEATER. There is not much in this spectacular home that is not NEW! SUCH A GREAT LOCATION! This unique neighborhood also has its own community pool – a great place to see your neighbors and make new friends. And all the shopping, dining and entertainment is found at the Market Square right around the corner. COME EXPERIENCE THIS AWESOME HOME. Don’t let this one get away!

Estimated monthly payment

Principal & interest$7,079
Property taxes$816
Home insurance (est.)$642

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 history2 days on market

  1. Status: Active
    Jul 30, 2026
  2. Listed$1,399,900
    Jul 30, 2026
  3. Price increased$1,399,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
2
Subdivision
Villages Of Sumter Lake Shore Cottages
County
Sumter
Year built
2004
Living area
2,042 sq ft
Price/sq ft
$686
Building area
3,196 sq ft (Public Records)
Lot size
9,212 sq ft
Lot category
0 to less than 1/4
Flood zone
X500* (12119C0086D)
Garage
1 spaces
Pool
Private pool
Annual taxes
$9,794 (2025)
Parcel #
D23C011
Zoning
RES
MLS #
G5115808

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Interior Details

Bedrooms
3
Full bathrooms
2
Half bathrooms
1
Flooring
Luxury Vinyl
Appliances
Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener
Interior features
Built-in Features, Ceiling Fans(s), Crown Molding, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry
Inside, Laundry Room
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Natural Gas
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes
Parking features
Golf Cart Parking

HOA & Financial

Total monthly fees
$204/mo
Total annual fees
$2,448
CDD
Yes
Min lease term
1-7 Days
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Rain Gutters, Sidewalk
Construction materials
HardiPlank Type
Roof
Metal
Foundation
Slab
Pool
Private pool
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Sprinkler Recycled, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Room Details

RoomLevelDimensions
Living RoomFirst
Dining RoomFirst
KitchenFirst
Primary BedroomFirst
Bedroom 2First
Bedroom 3First

Listing Details

Listing date
2026-07-30
On market date
2026-07-30
Original list price
$1,399,900
Occupant type
Owner
MLS area
32162 - Lady Lake/The Villages
Listing AOR
Ocala - Marion
Status changed
2026-07-30
Tax legal description
LOT 11 THE VILLAGES OF SUMTER LAKE SHORE COTTAGES PB 7 PGS 24-24D

Flood risk

Moderate riskFEMA Zone X500*Panel 12119C0086D

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

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

Location

Directions

From 466- S on Morse, R on Lake Sumter Landing, R on Lakeshore Dr. R on Fish Camp Rd., R on Cottage Dr.

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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 August 1, 2026 at 8:06 AM 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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