17978 SE 104th Ter, photo 1
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Overview

2 bd2 ba1,356 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.98/mo
Built1993
Lot12,197 sqft
Living area1,356 sqft
Price / sqft$175
Garage2 car

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

About this home

Ceiling Fans(s)L DiningOpen FloorplanPrimary Bedroom Main FloorVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsBuyer Approval Required

17978 SE 104th Ter is a 1993-built home in Spruce Crk South 06, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,356 square feet of living space. Listed at $237,900 (about $175/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.98 monthly.

From the listing

WELCOME HOME TO THIS BEAUTIFULLY MAINTAINED PALM MODEL WITH GOLF COURSE VIEWS! Enjoy beautiful golf course views from the spacious Florida Room, which is conveniently located under the home’s regular roofline, providing a comfortable space to relax and enjoy the Florida lifestyle. This home is being offered TURN-KEY w/ FURNITURE, Golfcart Can Convey (Be included) with an accepted offer. The desirable split-bedroom floor plan provides privacy for both owners and guests, while vaulted ceilings in the main living areas create an open, spacious feel. Newer laminate plank flooring welcomes you as you enter and continues throughout the main living areas. The spacious kitchen offers plenty of cabinetry and generous counter space, making it a wonderful space for the chef of the home. Additional features include lighting above the cabinetry and a skylight that fills the kitchen with beautiful natural light and creates a bright, inviting atmosphere. IMPORTANT UPDATES: Roof: 2022 HVAC: 2016 Septic pumped: 9/2026 ENJOY THE SPRUCE CREEK SOUTH LIFESTYLE Located in the desirable 55+ gated community of Spruce Creek South, residents enjoy a wide variety of amenities and activities, along with a guarded main entrance and security. Community amenities include an 18-hole golf course, pro shop, restaurant, community pool, fitness center, jacuzzi, men's and women's spas, tennis courts, pickleball, shuffleboard, softball field, dog park, and scenic nature, walking, and bike paths. Additional gated parking is available for an additional fee on a semi-annual or annual basis. The community center features a live performance stage with events throughout the year, a dance floor, dining area, and community kitchen. There are also dedicated recreation spaces for the library, billiards, crafts, cards, dominoes, mahjong, and more. This is a golf-cart-friendly community, adding another fun and convenient way to get around. Residents can even participate in the community's annual golf cart parades for the Fourth of July and Christmas, decorating their carts and joining in the festivities or simply enjoying the fun as a spectator. A LOCATION THAT REALLY STANDS OUT One of the unique advantages of Spruce Creek South is its convenient access to surrounding amenities. Residents can legally travel by golf cart through the community's main entrance, cross U.S. 441, and access numerous shopping, dining, medical, and everyday conveniences. The community is conveniently located just minutes from shopping, restaurants, banks, gas stations, hospitals, urgent care, dentists, specialty medical clinics, barber shops, hair and nail salons, and more. Residents can also use the residential back gate to access a nearby plaza offering additional conveniences, including restaurants, drugstores, dental and specialty clinics, urgent care, an ice cream shop, barber and beauty services, nail salons, Planet Fitness, and more. A Super Walmart is also conveniently located across U.S. 441, approximately five minutes away. And when you're ready for even more shopping, dining, entertainment, and recreation, The Villages is just approximately two miles away. This Palm Model offers the combination of golf course views, a turnkey opportunity, desirable updates, an active 55+ community, and exceptional everyday convenience. Schedule your private tour today and come experience everything this wonderful Spruce Creek South home and community have to offer!

The essentials

Built
1993
Price / sqft
$175
On market
31 days
Annual tax
$3,661
HOA
$179.98/mo
Flood zone
X · Low risk
Lot
12,197 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Community pool
Fitness center too
2 car garage
Driveway
0.28 acres
Lot size
1,356 sqft
Living area

Payment

Est. monthly payment
$1,845/mo
Down payment (20%)
$47,580
Property taxes
$305/mo
HOA
$179.98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
12,197 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
31
Ceiling Fans(s)
L Dining
Open Floorplan
Primary Bedroom Main Floor
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
Pool
Racquetball
Restaurant
Built-in Oven
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Elementary
Belleview Elementary School
Middle
Belleview Middle School
High
Belleview 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 (2025)
$3,661
Parcel #
6006-005-004

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 Crk South 06
County
Marion
MLS Area
34491 - Summerfield
Lot Size
12,197 sqft
ClearedIn CountyOversized LotPaved
HOA
$179.98/mo
DIANE SUCHY

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #G5117949
$237,900
$175/sqft

Neighborhood

17978 SE 104th Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $237,900
$232,500 – $237,900
98.1% – 100% of listTops out right at the list price
80% of listList price
177 of the last 352 home closings in 34491 landed at this number or higher (50%). The median one sat 56 days before it went under contract, and this one is on day 31.

Sample: 352 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
$1,845/mo
Principal & interest$1,241
Property taxes$305
Insurance$119
HOA$180
Down payment20% · $47,580
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

$237,900

$175 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,356 sq ft

Time on market

31 days

Year built

1993

Monthly payment

About $1,845/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,661 annual tax bill, insurance, and the $179.98/mo HOA fee.

HOA fee

$179.98/mo

Managed by DIANE SUCHY.

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# G5117949.

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