Annette McCullough | The Villages Real Estate, Lady Lake Real Estate, Fruitland Park Real Estate
Choosing the right Realtor is easier than you think.   When you select Annette to represent your real estate needs, life just got easier!

After serving more than 25 years in banking and residential lending, Annette’s knowledge of the mortgage industry makes the buying process seamless.  Her vast background in real estate finance and closing will ensure that she not only finds your dream home, but guarantees the key as well.

Hailing from Frankfurt Germany, Annette’s upbringing and work ethic are responsible for the discipline, attention to detail, and follow-through she brings to her work. Formally educated in finance, Annette went on to become a senior accounts manager at Post Bank, Frankfurt.  Customer service is her cornerstone as she is a focused listener and able advisor who competently matches the clients’ needs to the right property, and assures an honest and efficient transaction.  

As a careerist military spouse, the challenges of moving and resettling often was a norm that Annette learned to master.  As an alumni of Lees-burg High School, her husband Ron is a local with a large family. So, settling down here, after retiring from the military, made for the perfect landing. Central Florida has so much to offer and great weather to boot. Annette and her husband enjoy kayaking in the many lakes and springs in the area and taking long walks with their Beagle "Bailey”.  

Realty Executives in the Villages focuses exclusively on the re-sale market of The Villages as well as all of the surrounding active adult communities. Whether you are buying or selling, giving your real estate dreams an address is what Annette does best!


Highly likely to recommend

10/15/2018 – joanneciv


Bought a Single Family home in 2018


I was visiting the Villages from Massachusetts and was leaving the next day. I was not searching for a place to buy but happened to see a home for sale nearby where I was staying. I called Annette and explained to her that I was leaving tomorrow morning but was interested in viewing a house that  had a for sale sign. Annette managed to get a viewing within an hour. I loved the house and placed a bid that was accepted. Thanks to Annette's negotiation skills the accepted offer was far lower than the asking price. I left the following morning and Annette took care of everything else-including arranging the closing without me ever having to fly back down. She gave us invaluable advice and tips regarding the local area and in particular regarding the Villages and kept us updated with the progress of each step. Annette is professional, knowledgeable, pleasant and an outstanding realtor.

Strong negociation skills

 Highly likely to recommend

01/07/2017 - user4075941

Bought a Single Family home in 2016 in The Villages, FL.


Annette was a delightful person, so knowledgeable and so helpful to my husband and I. No matter how many homes we had her show us, she was always cheerful and ready to do whatever we asked. I have worked with Realtors in the past number of years, however, Annette was the "best" I have known!

Delightful experiance

06/14/2017 - rikmar

Bought a Single Family home in 2017 in The Villages, FL.

Annette was very professional. She provided us with many options while searching for a home. She answered all of our questions thoroughly. She was punctual. Annette was very personable. She was friendly and had a good sense of humor. I would highly recommend Annette for all of your real  estate needs.
Punctual & Personable

 Highly likely to recommend

07/05/2017 - and1539

Bought a Single Family home in 2017 in The Villages, FL.


Annette was instrumental in finding the perfect home for us in The Villages through Multiple Listings. She was most supportive during the entire process from the initial offer to purchase to monitoring all deadlines in the documents. She provided excellent recommendations along the way providing at least three sources for each recommendation. She was always,always available to answer questions. This was important to us as we were not familiar with Florida Real Estate practices having just relocated after residing in the US Virgin Islands for 28 Years. Her patience, pleasant demeanor and professionalism are exemplary
Always available

Highly likely to recommend

09/14/2017 - abruns

Bought a Single Family home in 2017 in The Villages, FL.


Having spent nearly a week touring homes in The Villages, despite our Villages sales representative's efforts, we did not see anything that spoke to us. Preparing to return home w/o having found the right house, we tried a "Hail Mary" - we called the Realty Executives office out of the blue,  explained our situation and in 1 hour were sitting with Annette reviewing listings and soon after looking at a half dozen homes. Annette responded immediately to our request, organized the next couple days, was patient with us and knew when to add to the discussion and when to remain silent. This was not our first rodeo so as so as we saw "the one" we moved to get it off the market. She was helpful in thinking through the pros and cons with a number of homes and brought her knowledge of TV to the discussions. We have been in the house for 6 weeks and have no regrets with our decision (except when Irma was bearing down on us!).
Hail Mary!

Highly likely to recommend

11/06/2017 - zuser20170328144653216

Sold a home in 2017

 We were selling Mom's home in the Villages and it was an emotional sale because Mom was moving across the country to be near family. Annette was wonderful, patient and took the time to make Mom feel comfortable and informed throughout the whole process. She went above and beyond  with open houses and ad's featuring the home. Once it was under contract she continued to walk us through the closing process! If you leave her a message she returns it in minutes !! We highly recommend you choose Annette for your own home sale.. she is extremely informed about the Villages community and worked incredibly hard on our behalf! Wish we could give her more than 5 stars!! Her clients are very lucky to find such a gem of a Realtor to work with !!!!!!!!!

Amazing Service!

My Active Properties

My Recently Sold Properties