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