10599 SE 178th St, photo 1
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Overview

2 bd2 ba1,008 sqft1 car garageSingle Family
TypeSingle Family
HOA$176/mo
Built1991
Lot11,761 sqft
Living area1,008 sqft
Price / sqft$211
Garage1 car

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

About this home

Ceiling Fans(s)L DiningThermostatWalk-in Closet(s)Window TreatmentsPrivate MailboxClubhouseDeed Restrictions

10599 SE 178th St is a 1991-built home in Spruce Creek South, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,008 square feet of living space. Listed at $212,500 (about $211/sqft), 334 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $176 monthly.

From the listing

BACK ON THE MARKET DUE TO BUYER NOT BEING ABLE TO FULFILL FINANCIAL OBLIGATIONS. PRICE IMPROVEMENT WITH MOTIVATED SELLER! Welcome Home to this lovely Corner Lot, MAPLE MODEL. 2-bedroom, 2-bathroom,1 car garage plus golfcart garage. You're greeted with a cute porch in front. and fully enclosed Florida room in the back, also concrete open patio for grilling under the roof. The roof is newer, replaced in 2021, and inspected 2026, the septic just got pumped 8/12/2026 THE HOT WATER HEATER HAS BEEN REPLACED 3/2026 WITH A NEW ONE* All the mechanicals are currently in good working condition. Located in Central Florida friendly, gated community with guard and security 24/7 for 55 plus residents. This is a golf cart community, here in Spruce Creek South you have golfcart access to a broad selection of amenities within just minutes away! You can cross 441 from the front gate legally which takes you to many businesses. The fact that this active 55+ community is near The Villages adds even more charm for those looking for that lifestyle. Community has an 18-hole golf course and a pro-shop W/ a restaurant offering entertainment, located within close proximity to the home. We also have a residential additional gate on this road which takes you directly into Terrace Plaza not far from the home, offering several restaurants, drugstores, dentist, medical centers, Urgent care, fellowship, flower shop, gallery, nail & hair salons and even a spa, including the newer planet fitness but keep in mind we have our own fitness center included with our P.O.A. with no extra charge. No bond or CDD here making it even more appealing. This community also allows chain link fencing up to 4 foot tall behind your home for your furry babies...THROUGHOUT THE YEAR This community offers a lot to keep you active & engaged! The mix of indoor and outdoor amenities makes it a perfect place for anyone looking to stay fit, socialize, & enjoy a variety of activities. Attached to the Club house , outside we have the heated pool & hot tub / spa, Inside the clubhouse we have the fitness center, his and hers sauna and bathrooms with showers, there are also showers and a separate bathroom outside near the pool. all these amenities are a huge perk, especially for year-round relaxation, recreation, and social opportunities, perfect for those looking to get the most out of their 55+ living experience! Have you had a chance to check out the clubhouse? or any of these activities in person yet? ask your realtor to take you for a tour. A furniture package can be made available if any of the furniture interests you. This home in the Spruce Creek South community offers a wonderful lifestyle for those looking to live in a vibrant, 55+ golf cart-friendly neighborhood. You will have easy access to restaurants, medical facilities, supermarkets, retail shops, gas stations, banks, hair and nail salons, barber shops, fitness options, medical facilities, The Villages Squares are just a few miles away... You have easy access only minutes away so many options to choose from! You can ride your golfcart to many of these facilities, this is a huge convenience. I want you to keep in mind, having no bond or CDD is a financial bonus for buyers who are concerned with this. Please enjoy the professional pictures and slide show and call today for your virtual or in person tour. *** Start enjoying Florida Living in this great community which has so much to offer ***

The essentials

Built
1991
Price / sqft
$211
On market
334 days
Annual tax
$1,142
HOA
$176/mo
Flood zone
X · Low risk
Lot
11,761 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Community pool
Fitness center too
1 car garage
Golf Cart Garage
0.27 acres
Lot size
1,008 sqft
Living area

Payment

Est. monthly payment
$1,485/mo
Down payment (20%)
$42,500
Property taxes
$95/mo
HOA
$176/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
11,761 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Golf Cart Garage
Days on Market
334
Ceiling Fans(s)
L Dining
Thermostat
Walk-in Closet(s)
Window Treatments
Private Mailbox
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Racquetball
Restaurant
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Elementary
Stanton-Weirsdale Elem. School
Middle
Lake Weir Middle School
High
Lake Weir High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2024)
$1,142
Parcel #
6005-005-029

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 South
County
Marion
MLS Area
34491 - Summerfield
Lot Size
11,761 sqft
ClearedCorner Lot
HOA
$176/mo
TRACY BROWN WITH HERITAGE MANAGEMENT

Price history

Date
Event
Price
7/17/2026
Price change
Source: Stellar MLS #G5104689
$212,500-1.1%
$211/sqft
11/13/2025
Listed for sale
Source: Stellar MLS #G5104689
$214,900
$213/sqft

Neighborhood

10599 SE 178th St
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $212,500
$207,500 – $212,500
98.1% – 100% of listTops out right at the list price
80% of listList price
175 of the last 349 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 334 after a $2,400 cut.

Sample: 349 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
$1,486/mo
Principal & interest$1,108
Property taxes$95
Insurance$106
HOA$176
Down payment20% · $42,500
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

$212,500

$211 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,008 sq ft

Time on market

334 days

Year built

1991

Monthly payment

About $1,485/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,142 annual tax bill, insurance, and the $176/mo HOA fee.

HOA fee

$176/mo

Managed by TRACY BROWN WITH HERITAGE MANAGEMENT.

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 byRE/MAX PREMIER REALTY LADY LKListing agent: Gerrie Cosme MatiasListing data from Stellar MLS, MLS# G5104689.

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