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About this home
12716 SE 91st Terrace Rd is a 2004-built home in Spruce Creek Gc, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,128 square feet of living space. Listed at $399,000 (about $188/sqft), 130 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.
One or more photo(s) has been virtually staged. *VIRTUALLY STAGED | GOLF COURSE FRONTAGE | EXPANDED HANOVER WITH BONUS ROOM!** Discover spacious Florida living in this beautifully maintained **3-bedroom, 2-bath Expanded Hanover** overlooking the **Memorial Golf Course** in Del Webb Spruce Creek Golf & Country Club, a premier 55+ gated community in Summerfield. A designer-painted driveway and walkway, decorative concrete curbing, attractive landscaping, and impressive **double leaded-glass entry doors** create a welcoming first impression. The oversized garage is another standout feature, offering a dedicated golf cart garage plus an additional six feet of depth for extra storage, hobbies, or workspace. Inside, the home offers a bright, open layout with **no carpet anywhere**. Hardwood flooring extends throughout all three bedrooms and the bonus/family room, while tile flooring complements the remaining living areas. Neutral finishes and abundant natural light provide an inviting backdrop ready for your personal style. The spacious kitchen features rich dark maple cabinetry with convenient pull-out shelving, Corian countertops, white appliances, and additional built-in cabinetry in the breakfast nook. An open connection to the main living areas makes entertaining easy, while the separate formal dining room provides additional space for holiday dinners and special gatherings. Adding even more versatility is the **bonus/family room addition completed in 2010**. Whether you envision a second TV room, home office, hobby or craft space, reading room, or comfortable area for guests, this additional living space allows the home to adapt to your needs. One of the home's greatest features awaits out back. Step onto the **screened lanai and enjoy relaxing views of the Memorial Golf Course**—an ideal setting for morning coffee, afternoon relaxation, outdoor dining, or unwinding at the end of the day. Major improvements add even more value, including a **2021 roof, 2018 HVAC system, tankless water heater, and whole-house water filtration system**. With an expanded floor plan, flexible bonus space, oversized garage, golf cart parking, no carpet, valuable system updates, and a beautiful golf-course setting, this home offers an appealing combination of **space, functionality, and location** within Del Webb Spruce Creek Golf & Country Club.
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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 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
$399,000
$188 per sq ft
Beds and baths
3 beds, 2 baths
Size
2,128 sq ft
Time on market
130 days
Year built
2004
Monthly payment
About $2,796/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,615 annual tax bill, insurance, and the $214/mo HOA fee.
HOA fee
$214/mo
Managed by Nicole Arias.
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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