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-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Like The Villages and have a few questions. (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/like-villages-have-few-questions-291587/)

Fishers2tall 05-15-2019 02:27 PM

Like The Villages and have a few questions.
 
Currently live near Indianapolis and am looking to move to TV in the next several years or sooner if everything works out. I do have a few questions for you lucky folks that have been there a few years or more.
1. Can you buy sinkhole insurance for your home or is that something that is in most Florida homeowner insurance policies now? If it is sold as an extra coverage how much does it cost?
2. Does a single HOA cover every neighborhood in TV?
3. Has there ever been any thought to allowing even one style of privacy fencing for owners of designer and premier model homes? I realize the courtyard villas and verandas have fences but I was hoping to have a larger yard (for my Whippet pooch) than what they typically seem to have.
4. I was told by my Villages realtor that every single home in TV uses an electric heat pump for winter heating even in the sections that have gas available. Is that true? I am hoping this isn’t true because I love my gas furnace!!
5. Last question and all I am looking for is a rough estimate on this. What would monthly housing expense be for a $350,000 new home with no mortgage? From what I can tell once you add all the different taxes plus utilities, bond, insurance, activity fee, etc., it would be in the neighborhood of $1,500 a month if your home was paid for. Some realtors have given me a higher figure, some lower. You folks are the experts. Is $1,500 a month about right?

villagetinker 05-15-2019 07:45 PM

Quote:

Originally Posted by Fishers2tall (Post 1650022)
Currently live near Indianapolis and am looking to move to TV in the next several years or sooner if everything works out. I do have a few questions for you lucky folks that have been there a few years or more.
1. Can you buy sinkhole insurance for your home or is that something that is in most Florida homeowner insurance policies now? If it is sold as an extra coverage how much does it cost?
2. Does a single HOA cover every neighborhood in TV?
3. Has there ever been any thought to allowing even one style of privacy fencing for owners of designer and premier model homes? I realize the courtyard villas and verandas have fences but I was hoping to have a larger yard (for my Whippet pooch) than what they typically seem to have.
4. I was told by my Villages realtor that every single home in TV uses an electric heat pump for winter heating even in the sections that have gas available. Is that true? I am hoping this isn’t true because I love my gas furnace!!
5. Last question and all I am looking for is a rough estimate on this. What would monthly housing expense be for a $350,000 new home with no mortgage? From what I can tell once you add all the different taxes plus utilities, bond, insurance, activity fee, etc., it would be in the neighborhood of $1,500 a month if your home was paid for. Some realtors have given me a higher figure, some lower. You folks are the experts. Is $1,500 a month about right?

#1, there are TWO forms of sinkhole insurance, catastrophic ground collapse in included in any house policy this covers you IF the house is condemned, the second OPTIONAL coverage is for a sinkhole that does NOT significantly damage your house, in general there is a 10% deductible then the insurance kicks in. The local insurance can fill in the details.

#2, the is NO HOA, there are DEED restrictions for each CDD, and these are slightly different, the villages website has details for each CDD.

#3, Fencing is generally NOT available, you will need to discuss with your sales representative. I did see some upscale houses with fencing (however I do NOT recall the villages where these were available), since this sounds like a potential deal killer, let your sales rep know your concerns so they can address.

#4, I rarely gets really cold hear, so you will not miss your gas fired heater. Last winter we used the heat function maybe a dozen times.

#5, The villages website had (I think it is still there) an estimate for the basic monthly costs. NOTE: the taxes are different in the 3 counties that the villages occupies, once again your sales rep should be able to give you the CURRENT estimates. You can also look this up on the county websites, but i do not have the web addresses in front of me.

Hope this helps. VT

jojo 05-15-2019 07:57 PM

We have a gas furnace, water heater, and dryer. Live in Amelia.

Toymeister 05-15-2019 08:17 PM

#5 $1065.86/ month +/- 20% for most people with 2k sq ft designer homes with no bond.

Based on actual costs including insurance, taxes in Sumter county, amenities fees, cable and all utilities

Excluding amortization of cost to paint a stucco home or power wash vinyl siding

Updated 17 May 2019 to reflect lawn care and homeowners insurance.

Toymeister 05-15-2019 08:26 PM

Quote:

Originally Posted by Fishers2tall (Post 165002)
4. I was told by my Villages realtor that every single home in TV uses an electric heat pump for winter heating even in the sections that have gas available. Is that true? I am hoping this isn’t true because I love my gas furnace!!

No. If accurate information of a technical nature is important to you fire your relator and get someone competent

CFrance 05-16-2019 02:03 AM

There is an area of designer homes north of 466A that have fenced yards, but I don't remember the village name. If you really want your pooch to run, live somewhere around the area of 466 and CR 101, then join Doggy Doo Run Run. It is 10 acres of the absolute best dog park anywhere near The Villages. There is lots of shade and it is well maintained. You can join monthly (used to be $25 for one dog) or pay $3 per visit.

Another way to get to DDRR if you live in the 466A area is to go up 301 to (I think) the second county route to the right after passing 466--I think it's CR103. Follow that to the end, and you run right into DDRR. Maybe if someone knows the name of that county route, they will post. It takes about 15-20 minutes from 466A & Buena Vista intersection. I know people who take their dogs there every day, sometimes twice a day.

birdiebill 05-16-2019 07:19 AM

We are from Indiana and have no complaints about the heat pump. Of course, we have no choice in The Village of Osceola Hills because there is no natural gas. The heat pump works very well since it seldom gets very cold. If it gets too cold for the heat pump, the auxiliary electric heat strip works to provide heat. It is very economical. SECO rates are very reasonable.

As for fenced yards, I believe in the new area south of hwy 44, there are Veranda style homes which are basically designer homes but come with a fenced back yard. Check with your realtor if you are interested in that area.

Serenoa 05-16-2019 08:43 AM

if I were you I'd buy a Veranda down south in one of the new villages so your dog would at least have a little room to exercise while at home. There are already two very nice canine parks down there: Dudley in the Village of DeSoto, and Rupert in the Village of Linden. And I'm sure there are even more being planned.

cndlou3 05-16-2019 08:47 AM

Quote:

Originally Posted by Fishers2tall (Post 1650022)
Currently live near Indianapolis and am looking to move to TV in the next several years or sooner if everything works out. I do have a few questions for you lucky folks that have been there a few years or more.
1. Can you buy sinkhole insurance for your home or is that something that is in most Florida homeowner insurance policies now? If it is sold as an extra coverage how much does it cost?
2. Does a single HOA cover every neighborhood in TV?
3. Has there ever been any thought to allowing even one style of privacy fencing for owners of designer and premier model homes? I realize the courtyard villas and verandas have fences but I was hoping to have a larger yard (for my Whippet pooch) than what they typically seem to have.
4. I was told by my Villages realtor that every single home in TV uses an electric heat pump for winter heating even in the sections that have gas available. Is that true? I am hoping this isn’t true because I love my gas furnace!!
5. Last question and all I am looking for is a rough estimate on this. What would monthly housing expense be for a $350,000 new home with no mortgage? From what I can tell once you add all the different taxes plus utilities, bond, insurance, activity fee, etc., it would be in the neighborhood of $1,500 a month if your home was paid for. Some realtors have given me a higher figure, some lower. You folks are the experts. Is $1,500 a month about right?

We have gas furnace, water heater, dryer and stove and I love it not a big electric appliance fan. We are still snowbirds so our average monthly cost is lower than $1,500.00/ month even with a mortgage.

coffeebean 05-16-2019 06:58 PM

We have all gas appliances, including a gas furnace. I would get another realtor who is more informed.


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