17990 SE 100th Ter, photo 1
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Overview

3 bd2 ba1,870 sqft2 car garageSingle Family
TypeSingle Family
HOA$178/mo
Built1992
Lot10,019 sqft
Living area1,870 sqft
Price / sqft$160
Garage2 car

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)

17990 SE 100th Ter is a 1992-built home in Spruce Creek South, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,870 square feet of living space. Listed at $299,900 (about $160/sqft), 184 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $178 monthly.

From the listing

ROOF (2023), HVAC (2015) Perfectly positioned on a QUIET cul-de-sac and OVERLOOKING THE GOLF COURSE, this exceptional residence captures breathtaking panoramic views of the #1 GREEN and 2nd TEE BOX in the highly sought after 55+ Gated Golf Community of SPRUCE CREEK SOUTH, ideally located just moments from THE VILLAGES, FLORIDA. This beautifully appointed, FULLY FURNISHED 3 Bedroom, 2 Bath home welcomes you with an immediate sense of warmth and elegance the moment you step inside, offering the true essence of Florida living. Designed for both comfort and style, the home Features gorgeous LAMINATE Flooring, refined CROWN MOLDING, and PLANTATION SHUTTERS throughout, creating a polished and cohesive look. The inviting Florida room and covered patio provide the perfect setting to relax or entertain while enjoying serene golf course views and Florida’s year round sunshine. Thoughtfully maintained, this home offers peace of mind with a NEW ROOF (2023) and an HVAC (2015). Life in Spruce Creek South is nothing short of vibrant, with an array of amenities designed to enhance every day. Residents enjoy access to billiards, bocce, softball fields, tennis and pickleball courts, a welcoming restaurant, and countless social clubs that bring neighbors together. Golf enthusiasts can take advantage of the course just outside their door, while convenient golf cart access makes it effortless to reach nearby shopping, dining, medical facilities, and entertainment. This is more than just a home, t’s the retirement lifestyle you’ve been dreaming of, where every day feels like a getaway. Don’t miss the opportunity to make this extraordinary property your own. Comes completely furnished.

The essentials

Built
1992
Price / sqft
$160
On market
184 days
Annual tax
$3,482
HOA
$178/mo
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 1992
Community pool
Fitness center too
2 car garage
10,019 sqft lot
Lot size
1,870 sqft
Living area

Payment

Est. monthly payment
$2,182/mo
Down payment (20%)
$59,980
Property taxes
$290/mo
HOA
$178/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1992
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
184
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Private Mailbox
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Tennis Court(s)
Street Lights
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,482
Parcel #
6004-001-026

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
10,019 sqft
Cul-De-SacOn Golf CoursePrivate
HOA
$178/mo
Tracey Brown

Price history

Date
Event
Price
9/11/2026
Price change
Source: Stellar MLS #OM722484
$299,900-6.0%
$160/sqft
-
Price change
Source: Stellar MLS #OM722484
$319,000-8.8%
$171/sqft
4/10/2026
Listed for sale
Source: Stellar MLS #OM722484
$349,900
$187/sqft

Neighborhood

17990 SE 100th Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $299,900
$295,000 – $299,900
98.1% – 100% of listTops out right at the list price
80% of listList price
173 of the last 344 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 184 after a $50,000 cut.

Sample: 344 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
$2,182/mo
Principal & interest$1,564
Property taxes$290
Insurance$150
HOA$178
Down payment20% · $59,980
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

$299,900

$160 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,870 sq ft

Time on market

184 days

Year built

1992

Monthly payment

About $2,182/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,482 annual tax bill, insurance, and the $178/mo HOA fee.

HOA fee

$178/mo

Managed by Tracey Brown.

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 byKELLER WILLIAMS CORNERSTONE REListing agent: Richard LutzListing data from Stellar MLS, MLS# OM722484.

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