Overview
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About this home
10337 SE 176th St is a 1990-built home in Spruce Creek South 03, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,526 square feet of living space. Listed at $225,000 (about $147/sqft), 49 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $176 monthly.
Virtually Staged. NEW 2025 ROOF! Beautiful 3-bedroom, 2-bath Dogwood model situated on a spacious quarter-acre corner lot in the desirable gated 55+ community of Spruce Creek South. This move-in-ready home features a popular split-bedroom floor plan with a bright, open living and dining area and an updated kitchen with granite countertops and stainless-steel appliances. The spacious primary suite offers direct access to the screened outdoor living area, while the large, enclosed lanai and screened porch provide plenty of space to relax or entertain. The oversized corner lot offers additional possibilities for outdoor living, gardening, or a fenced area. A two-car garage with utility sink provides added convenience and storage. Spruce Creek South offers an active Florida lifestyle with 24/7 gated entry, an 18-hole golf course, clubhouse, fitness center, pool and spa, pickle ball, tennis, bocce, softball, social clubs, RV/boat storage and more. Enjoy the convenience of legal golf-cart access across US-441/27 to nearby shopping, dining, medical offices and everyday essentials, plus easy access to The Villages. Move-in ready, and ideally located—come enjoy everything Spruce Creek South has to offer!
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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.
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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 is the fee 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
$225,000
$147 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,526 sq ft
Time on market
49 days
Year built
1990
Monthly payment
About $1,581/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,439 annual tax bill, insurance, and the $176/mo HOA fee.
HOA fee
$176/mo
Managed by Spruce Creek S/ Tracy Brown.
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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