17814 SE 107th Ter, photo 1
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Overview

3 bd2 ba1,450 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.98/mo
Built1993
Lot7,841 sqft
Living area1,450 sqft
Price / sqft$172
Garage2 car

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

About this home

Ceiling Fans(s)Chair RailEat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)

17814 SE 107th Ter is a 1993-built home in Spruce Creek South, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,450 square feet of living space. Listed at $249,900 (about $172/sqft), 150 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.98 monthly.

From the listing

SELLER IS PAYING TWO MONTHS OF HOA FOR THE NEW HOMEOWNER! Welcome to this beautifully updated Holly model home nestled in the highly sought-after Spruce Creek South, a gated, guard-secured 55+ golf community just minutes from The Villages. Situated on an oversized homesite, this move-in ready 3-bedroom, 2-bath residence offers approximately 1,450 square feet of thoughtfully upgraded living space where pride of ownership shines in every detail. From the moment you arrive, the decorative painted driveway, covered front porch, and fresh curb appeal set the tone. Step inside to a bright, open floor plan with generous living areas, abundant natural light, and a welcoming atmosphere throughout. The kitchen delivers ample cabinetry, workspace, and all appliances included. The home has been meticulously maintained and updated: NEW ROOF (May 2024), NEW AC with NEW THERMOSTAT and 1-year maintenance (June 2025), NEW WINDOWS (April 2025), bathroom upgrades (September 2024), updated flooring (July 2024), new front door (June 2025) and screen door (May 2026), new siding (October 2023), new driveway and garage door (June 2023), and blown insulation (October 2023). The big-ticket items are done, just move in and enjoy. The large screened-in lanai is the perfect retreat for morning coffee or year-round outdoor Florida living. The water softener and the home's connection to The Villages Hospital power grid ensure peace of mind and power at all times. Beyond the home, Spruce Creek South offers an unmatched active lifestyle. The impressive 25,000 SF clubhouse features a state-of-the-art fitness center, hobby and game rooms, a library, and a grand ballroom. The beautifully maintained 18-hole golf course winds throughout the community with scenic views, and the golf club includes a pro shop and The Links restaurant serving breakfast, lunch, and dinner. Residents enjoy pickleball, bocce, volleyball, basketball, tennis, a heated pool and spa, walking and biking trails, lakes, parks, and 30+ clubs including the popular traveling softball and horseshoe teams. Golf-cart access leads directly to shopping, dining, medical offices, Walmart, Aldi, and The Villages, where you can enjoy free concerts 365 days a year. Conveniently close to Silver Springs State Park, the World Equestrian Center, Lake Weir recreation, and major healthcare facilities in Ocala. This is a deed-restricted community with a required monthly amenities fee. No CDD and no bond. Homes this updated, this well-maintained, in this community do not last. Schedule your private showing today.

The essentials

Built
1993
Price / sqft
$172
On market
150 days
Annual tax
$4,673
HOA
$179.98/mo
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Community pool
Fitness center too
2 car garage
Driveway
7,841 sqft lot
Lot size
1,450 sqft
Living area

Payment

Est. monthly payment
$1,997/mo
Down payment (20%)
$49,980
Property taxes
$389/mo
HOA
$179.98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
7,841 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Oversized
Days on Market
150
Ceiling Fans(s)
Chair Rail
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Buyer Approval Required
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Park
Pool
Restaurant
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Stanton-Weirsdale Elem. School
Middle
Lake Weir Middle School
High
Belleview High School

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

Flood Zone X
Annual Tax (2025)
$4,673
Parcel #
6007-210-004

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
7,841 sqft
In CountyIrregular LotLevelNear Golf CourseOversized LotSidewalkPaved
HOA
$179.98/mo
Heritage Management - Jill W.

Price history

Date
Event
Price
5/15/2026
Price change
Source: Stellar MLS #G5112062
$249,900+2.0%
$172/sqft
5/15/2026
Listed for sale
Source: Stellar MLS #G5112062
$245,000
$169/sqft

Neighborhood

17814 SE 107th Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $249,900
$245,000 – $249,900
98.1% – 100% of listTops out right at the list price
80% of listList price
173 of the last 345 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 150.

Sample: 345 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
$1,998/mo
Principal & interest$1,303
Property taxes$389
Insurance$125
HOA$180
Down payment20% · $49,980
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

$249,900

$172 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,450 sq ft

Time on market

150 days

Year built

1993

Monthly payment

About $1,997/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,673 annual tax bill, insurance, and the $179.98/mo HOA fee.

HOA fee

$179.98/mo

Managed by Heritage Management - Jill W..

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 byEXP REALTY LLCListing agent: Edalys RamosListing data from Stellar MLS, MLS# G5112062.

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