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About this home
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.
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 ***
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The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
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
Neighborhood
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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.
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