Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$539,900

5996 Delphina, The Villages, FL 32163

58 days on market↓ $10K from original list price

Estimated Payment

$4,771/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area1,860 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2018

Listed by

Cindy Dunn

REALTY EXECUTIVES IN THE VILLAGES

Listed by another brokerage. HomeJam connects you directly with the listing side.

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  • Close in one place

Private & Spacious Indigo Designer Home with Golf Cart Garage, Three Full Bathrooms, and Room for a Pool! Discover the perfect combination of space, comfort, and functionality in this beautifully maintained 3 Bedroom, 3 Bathroom Designer Home in The Villages, Florida. Featuring a highly desirable split floor plan, a two car plus golf cart garage, three full bathrooms, and a private backyard with room for a pool, this home is thoughtfully designed for everyday living and effortless entertaining. From the moment you arrive, you'll appreciate the inviting curb appeal highlighted by a screened entry accented with a charming pergola, creating a warm and welcoming first impression. Inside, a spacious foyer with a coat closet and elegant archway opens into the expansive living area. The open concept living and dining rooms provide an ideal setting for entertaining family and friends, while the beautifully appointed kitchen serves as the heart of the home. Designed for both style and function, it features stainless steel appliances, a 5 burner gas range, abundant cabinetry with pull out drawers, and a large center island with cabinetry on both sides, providing exceptional storage, workspace, and seating. Just beyond the kitchen, an oversized laundry room is separated by a pocket door and offers built in cabinetry, a utility sink, and generous counter space, making it equally suited as a butler's pantry, hobby space, or additional prep area. The spacious primary suite features a tray ceiling, walk in closet, and a private ensuite with a zero entry Roman shower, dual sink vanity, and private water closet. The thoughtfully designed guest wing offers privacy and flexibility. Bedroom Two features a built-in closet, vaulted ceiling, and convenient access to a nearby full bathroom, making it ideal for guests, a home office, or hobby room. Bedroom Three is privately located down its own hallway with an adjacent bathroom featuring a walk-in shower, while a large hallway storage closet provides excellent organization. Throughout the home, you'll find 18-inch diagonal tile flooring, blinds, and quality finishes that enhance both style and low maintenance living. Large telescoping sliding glass doors open to the spacious screened lanai, creating a seamless transition between indoor and outdoor living. The adjoining grilling patio, privacy wall, and oversized backyard provide an ideal setting for entertaining, with plenty of room to design and build the pool of your dreams. The location adds even more appeal, with golf, recreation, and outdoor amenities conveniently nearby:

5996 Delphina, The Villages, FL 32163 in The Villages, FL 32163 is listed for $539,900. The home has 3 bedrooms, 3 bathrooms, and 1,860 square feet, and was built in 2018. Listed 58 days ago. The price was reduced from $550,000. The listing is held by REALTY EXECUTIVES IN THE VILLAGES.

32163 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$6,272 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$4,771/moest.

  • Principal & Interest 76%
  • Property Taxes 11%
  • Insurance 9%
  • USDA Fee 3%
Principal & Interest
$3,639
Property Taxesfrom listing
$523
Insurance
$450
USDA Annual Fee
$159

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$5,399

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $4,771, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $6,272 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR801063053. HomeJam is not the listing broker.

List Price

$539,900

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