13944 SE 96th Cir, photo 1
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Overview

3 bd2 ba2,120 sqft3 car garageSingle Family
TypeSingle Family
HOA$211/mo
Built2004
Lot13,939 sqft
Living area2,120 sqft
Price / sqft$198
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

13944 SE 96th Cir is a 2004-built home in Spruce Creek, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,120 square feet of living space. Listed at $419,900 (about $198/sqft), 464 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $211 monthly.

From the listing

Luxury Living on a Premium Lot - Discover the perfect blend of comfort, style, and resort-style living in this beautifully maintained 3-bedroom, 2-bath Johnstown model located on a premium private lot within the highly sought-after gated 55+ community of Spruce Creek Golf & Country Club. Designed for both relaxation and entertaining, this home features an inviting open layout with pocket sliding doors leading to a serene oversized lanai — creating the ideal indoor-outdoor Florida lifestyle buyers are searching for. Meticulously cared for and thoughtfully upgraded, this home offers peace of mind with a newer roof and exterior paint (2021), state-of-the-art HVAC system (2021), brand-new attic plumbing (2025), upgraded appliances, decorative front door inserts, rain gutters, plantation shutters, and stylish kitchen and bathroom cabinetry updates. Newer carpeting in the bedrooms and den adds warmth and comfort, while the spacious kitchen offers functionality and flexibility with a gas stove hookup available for culinary enthusiasts. Beyond the home itself, Spruce Creek Golf & Country Club offers an unmatched active-adult lifestyle with over 70 clubs, multiple pools, golf, fitness center, pickleball, tennis, dining, social activities, and golf cart-friendly living all within a beautifully maintained gated community. Perfectly positioned just minutes from The Villages, shopping, dining, and entertainment — and conveniently located approximately 30 miles from Florida’s Gulf Coast and 60 miles from Orlando attractions — this home offers the ideal combination of privacy, convenience, and vibrant community living. Whether you’re looking for a full-time residence or seasonal retreat, this exceptional property delivers the Florida lifestyle you’ve been dreaming about.

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The essentials

Built
2004
Price / sqft
$198
On market
464 days
Annual tax
$3,221
HOA
$211/mo
Flood zone
X · Low risk
Lot
13,939 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Community pool
Fitness center too
3 car garage
Garage Door Opener
0.32 acres
Lot size
2,120 sqft
Living area

Payment

Est. monthly payment
$2,879/mo
Down payment (20%)
$83,980
Property taxes
$268/mo
HOA
$211/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
13,939 sqft
Cooling
Central Air
Heating
Central, Electric, Natural Gas
Parking
Garage Door Opener, Garage Faces Rear
Days on Market
464
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
Pool
Restaurant
Sidewalks
Tennis Court(s)
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Gas Water Heater
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone x
Annual Tax (2024)
$3,221
Parcel #
6106-060-000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Spruce Creek
County
Marion
MLS Area
34491 - Summerfield
Lot Size
13,939 sqft
LandscapedPrivatePaved
HOA
$211/mo
Nicole Arias

Price history

Date
Event
Price
8/3/2026
Price change
Source: Stellar MLS #G5099176
$419,900-2.1%
$198/sqft
-
Price change
Source: Stellar MLS #G5099176
$429,000-4.4%
$202/sqft
7/7/2025
Listed for sale
Source: Stellar MLS #G5099176
$448,900
$212/sqft

Neighborhood

13944 SE 96th Cir
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $419,900
$412,500 – $419,900
98.1% – 100% of listTops out right at the list price
80% of listList price
176 of the last 350 home closings in 34491 landed at this number or higher (50%). The median one sat 54 days before it went under contract, and this one is on day 464 after a $29,000 cut.

Sample: 350 closed home sales in 34491 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,879/mo
Principal & interest$2,190
Property taxes$268
Insurance$210
HOA$211
Down payment20% · $83,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$419,900

$198 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,120 sq ft

Time on market

464 days

Year built

2004

Monthly payment

About $2,879/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,221 annual tax bill, insurance, and the $211/mo HOA fee.

HOA fee

$211/mo

Managed by Nicole Arias.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byMORRIS REALTY AND INVESTMENTSListing agent: Kendra Lee AkersListing data from Stellar MLS, MLS# G5099176.

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