631 ENCONTO STREET, THE VILLAGES, FL, 32159
Active15 days on marketListed Jul 30, 2026MLS #G5115767
About this home
631 ENCONTO STREET
Welcome to this turnkey, bond-paid 2-bedroom, 2-bath Baja courtyard villa, featuring durable block and stucco construction and a bright, open floor plan. Ideally situated between Spanish Springs and Lake Sumter Landing, this prime location offers easy access to four executive golf courses and Tierra Del Sol Recreation Center, shopping, the VA clinic, Hacienda Hills Country Club, and several championship golf courses. -complete with pools, tennis, pickleball, and more. Step inside to a meticulously maintained Florida home designed for comfort and connection. The open layout is perfect for entertaining, allowing guests to flow seamlessly between indoor and outdoor spaces. Start your mornings with coffee in the spacious private courtyard or unwind with a quiet moment and the morning paper. Experience the warm, active lifestyle The Villages is known for- your next adventure truly begins here
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,128
Sqft
0.09 ac
Lot size
1
Garage
1996
Year built
One
Levels
$266
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 and the real association fee — not generic estimates.
$2,513 /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
$2,513/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
+6.1%
$/sqft vs The Villages actives
$266 vs $255
Days on market
15 vs 51 typical
Where $266/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 32159 — neighborhood snapshot
Population
30,846
Median age
68.7
Median income
$57,536
Median home value
$272,100
Avg household
1.83
Households w/ children
1,240
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The The Villages market
$365K → $359K
The Villages median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
225 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 5% below the THE VILLAGES 32159 median. See the full The Villages market guide →
Paper trail
This home's history
Reality check
What actually sold near 631 ENCONTO STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$280,000
613 NUEVO LEON LANE · same community
2 bd · 2 ba · 1,098 sqft · $255/sqft · 171 DOM
Sold · Apr ’26$249,000
604 NUEVO LEON LANE · same community
2 bd · 2 ba · 970 sqft · $257/sqft · 6 DOM
Sold · Apr ’26$269,000
221 MONTOYA DRIVE
2 bd · 2 ba · 1,121 sqft · $240/sqft · 63 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 631 ENCONTO STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 631 ENCONTO STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
631 ENCONTO STREET FAQs
What would the monthly payment be for 631 ENCONTO STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,513/mo — principal and interest, the actual property-tax bill, the $200/mo association fee 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.
How much are the HOA fees at 631 ENCONTO STREET?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 631 ENCONTO STREET?+
The most recent tax bill on record (2025) was $3,054. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 631 ENCONTO STREET?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in The Villages?+
At $299,900, this home is listed about 21% below the The Villages median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 631 ENCONTO STREET?+
The Villages Elementary Of Lady Lake School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DOWN HOME REALTY, LLLP · Andrea Fandino. MLS #G5115767.
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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