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9778 Pepper Tree Pl, Wildwood, FL, 34785

4beds
3baths
2,279sqft
$374,900
$165price/sqft
$2,543/moest. monthly cost
$101,720/yrincome needed

About This Home

Move-In Ready in Pepper Tree Village! Located in the desirable community of Pepper Tree Village, this stunning 4BR/3BA home offers the perfect blend of comfort, style, and convenience—just minutes from The Villages, as well as shopping, dining, schools, and entertainment. Situated on an oversized 0.23-acre corner lot overlooking the community park, this 2,279± SF under-air residence features a thoughtfully designed layout with a formal dining room, breakfast nook, spacious living area, office/den, inside utility room, and an oversized 2-car garage. Built in 2020, this home provides modern construction and low-maintenance living for years to come. Step inside to an open-concept floor plan highlighted by soaring ceilings and abundant natural light. The expansive kitchen is a true centerpiece, featuring stainless steel appliances, ample counter space, shaker-style wood cabinetry with soft-close hinges, and a walk-in pantry. The kitchen seamlessly overlooks the living room, creating an ideal space for entertaining, with a glass door that open to the outdoor living area. The spacious primary suite offers private patio access and a luxurious ensuite bath complete with dual vanities, his-and-hers closets, a soaking tub, and a walk-in shower. Guest bedrooms are generously sized, with well-appointed bathrooms—one of which conveniently serves as a pool bath. Outdoors, enjoy a screened-in lanai perfect for relaxing or hosting family and friends. With its prime location, modern features, and exceptional layout, this home truly has it all. Schedule your private showing today—this one won’t last!

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
3/10

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Block,Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Built-in Features,High Ceilings,Open Floorplan,Split Bedroom,Thermostat
  • Window features: Window Treatments
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 2,279 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Dual Closets
  • Level: First

Property

Details

  • Parcel number: D30BC009
  • Zoning: RR
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Sidewalk

Lot

  • Lot size: 10,019 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Hurricane
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters in Sumter County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,895$22,740
Home Insurance *$194$2,328
Property Taxes $225$2,700
Electricity $229$2,752
Total$2,543$30,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,188/yr
40% on housing$76,290/yr
45% on housing$67,813/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.6%
16.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 34785$154
Sumter County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 34785$173
Sumter County$233

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-25Listed for sale$374,900
2022-09-30Listing removed--
2022-07-28Price change$404,900
2022-07-10Listing removed--
2022-07-09Listed for rent$2,750
2022-06-23Price change$420,000
2022-06-08Listed for sale$430,000
2020-10-15Sold$252,900

For Sale by Agent

AgentRoy Vaca
BrokerageFLAMINGO REAL ESTATE & MNGMT

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