Cottage Homes for Sale in The Villages, FL
Cottage Homes are detached single-family homes a step below the Designer series in size. The developer still builds them — 1,702 to 2,254 total square feet — in the newest villages south of SR 44, and 38 older villages carry the same label on resale. Here is what is known about the series and what each address costs to own.
What is a Cottage Home in The Villages?
A Cottage Home is a detached single-family home, smaller than a Designer Home. The developer builds it today at 1,702 to 2,254 total square feet (living area plus garage and lanai), in two- and three-bedroom plans. In the older villages, resale listings usually show about 1,200 to 1,800 square feet of living area. Forty-five villages across all three areas list Cottage Homes among their home types.
Cottage Homes are one of the more affordable single-family home options in The Villages, offering more of a traditional house feel without moving into the larger Designer Home series. You may also see older homes and listings referred to as ‘Ranch’ homes, a name commonly associated with earlier generations of this style.
Cottage Homes at a glance
| Size | 1,702–2,254 total sq ft (developer, August 2026) · older resales about 1,200–1,800 living sq ft |
|---|---|
| Garage | Counted inside the total square footage above. The developer does not publish a garage configuration by model, and the older resales vary — check the specific home. |
| Lot & yard | Detached single-family with a private yard — no shared walls and no enclosed courtyard. A step below Designer in size. |
| Villages with them | At least 45 villages — 25 in the Northern Area, 13 Central, 7 Southern. Bond: no bond in 19, Low tier (under $1,500/yr) in 21, Average ($1,500–$3,000/yr) in 5. Three of the 107 villages have no home-type data recorded — Ashland, Edgewater Bungalows, and Tamarind Grove — so the count could be up to three higher. |
Bond and amenity fee do not change by series. The CDD bond is flat per section, and the amenity fee is about $204/month for new buyers (early 2026). Verify both by address.
Browse current listings
The MLS does not tag listings by developer series, so the search below is the full Villages search. Each village in the list further down links to that village's own listings.
I'll send you new listings
Pick a village and leave your email. When a home comes up for sale there, I'll send it to you. These are not automated alerts. I pick the homes and send them myself, so you can reply to any email with a question. There's no charge, and you can stop any time.
Your request is in.
When a home comes up in that village, I'll email it to you. If you want to talk a village through before you tour it, call or text me at 352-780-1479.
The villages with Cottage Homes
These villages span all three areas and every tax jurisdiction in The Villages, so the tax rate depends on the address more than on the home. The groups below run north to south by jurisdiction. The bond tier is this site's reading of the district schedules for the village as a whole; 19 of these villages have no bond. Where the bond differs from one section to another, the entry says so. Ask the district for the payoff on any specific home.
Lake County, Town of Lady Lake — about 1.61%
- Orange Blossom Gardens — Northern Area · built 1970s–1990s · bond tier: No bond
- Silver Lake — Northern Area · built 1976–1997 · bond tier: No bond
- Del Mar — Northern Area · built 1980s–1990s · bond tier: No bond
- Country Club Hills — Northern Area · built 1985–1994 · bond tier: No bond
- El Cortez — Northern Area · built 1989–1993 · bond tier: No bond
- Mira Mesa — Northern Area · built 1990–1994 · bond tier: No bond
- Valle Verde — Northern Area · built 1998–2001 · bond tier: No bond
- La Reynalda — Northern Area · build years unverified · bond tier: No bond
- La Zamora — Northern Area · build years unverified · bond tier: No bond
Hacienda — straddles the Lake–Sumter county line
One village, two counties: about 1.0% on the Sumter side and about 1.61% on the Lake side. Verify by address.
- Hacienda — Northern Area · built in the mid-1990s · bond tier: No bond (varies — verify per home)
Marion County (district 6701) — about 1.53%
- Piedmont — Northern Area · built 2001–2004 · bond tier: Low
- Springdale — Northern Area · built 2001–2004 · bond tier: Low
- Woodbury — Northern Area · built 2001–2004 · bond tier: Low
- Chatham — Northern Area · built 2002–2004 · bond tier: Low
- Calumet Grove — Northern Area · built 2003 · bond tier: Low
Sumter County, unincorporated — about 1.0%
- De La Vista — Northern Area · built in the 1990s · bond tier: No bond
- Rio Grande — Northern Area · built 1993–1995 · bond tier: No bond
- Rio Ponderosa — Northern Area · built 1995 · bond tier: No bond
- Rio Ranchero — Northern Area · built 1995–1997 · bond tier: No bond
- Palo Alto — Northern Area · built 1996–2000 · bond tier: No bond
- Santo Domingo — Northern Area · built 1996–2001 · bond tier: No bond
- Alhambra — Northern Area · built 1997–2001 · bond tier: No bond
- Polo Ridge — Northern Area · built 1999–2001 · bond tier: No bond
- Glenbrook — Northern Area · built 2001 · bond tier: No bond
- Summerhill — Northern Area · built 2003–2004 · bond tier: Low
- Tall Trees — Central Area · built 2004–2005 · bond tier: Low
- Winifred — Central Area · built 2004 · bond tier: Low
- Liberty Park — Central Area · built 2005 · bond tier: Low
- Mallory Square — Central Area · built 2005–2008 · bond tier: Low
- Duval — Central Area · built 2006–2008 · bond tier: Low
- Sunset Pointe — Central Area · built 2006–2008 · bond tier: Low
- Sabal Chase — Central Area · built 2007 · bond tier: Low
- Buttonwood — Central Area · built in the early 2010s · bond tier: Low
- Charlotte — Central Area · built 2010–2012 · bond tier: Low (varies — verify per home)
- Sanibel — Central Area · built in the early 2010s · bond tier: Low
- St. James — Central Area · built 2011–2012 · bond tier: Low
- Belvedere — Central Area · build years unverified · bond tier: Low
- Poinciana — Central Area · build years unverified · bond tier: Low
Inside the City of Wildwood — Sumter County, about 1.29%
- DeSoto — Southern Area · built 2018–2019 · bond tier: Average
- Linden — Southern Area · built 2020 · bond tier: Average
- Citrus Grove — Southern Area · built 2021 · bond tier: Low (varies — verify per home)
- DeLuna — Southern Area · built 2021–2022 · bond tier: Average
- Hammock at Fenney — Southern Area · built 2021–2022 · bond tier: Low (varies — verify per home)
- St. Catherine — Southern Area · built 2022 · bond tier: Average
Lake County, City of Leesburg (District 14) — about 1.59%
- Lake Denham — Southern Area · built 2023 · bond tier: Average (varies — verify per home)
Cottage Homes in The Villages — common questions
A Cottage Home is a detached single-family home a step below the Designer series in size. The developer still builds the series: the current range is 1,702 to 2,254 total square feet (living area plus garage and lanai), in two- and three-bedroom plans (thevillages.com, August 2026).
Same homes. Ranch is the earlier name for this style and still shows up in older listings. Cottage Home is the series name, and it is the one this site uses.
The developer lists the current series at 1,702 to 2,254 total square feet, which counts the garage and lanai along with the living area. In the older villages, resale listings usually show about 1,200 to 1,800 square feet of living area.
Forty-five villages list Cottage Homes among their home types: 25 in the northern area, 13 in the central area, and 7 in the southern area. The seven southern villages, built since 2018, carry the current series; the rest are older frame homes that listings often call ranch homes. The list on this page names all 45, with each village's tax jurisdiction and bond tier.
No. The bond is the same for every home in a CDD section regardless of series, and 19 of the 45 villages mapped here have no bond at all. Taxes follow the address: most Cottage Home villages are in unincorporated Sumter County (about 1.0% of purchase price a year, 2025 millage), with others in the Town of Lady Lake (about 1.61%), Marion County (about 1.53%), the City of Wildwood (about 1.29%), and Lake County under the City of Leesburg (about 1.59%). The amenity fee is about $204 a month for new buyers (early 2026).
Related guides & categories
Looking at a Cottage Home?
Send me the address and I'll pull the bond balance, property taxes, assessments, and other costs that matter before you make an offer.