12716 SE 91st Terrace Rd, photo 1
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Overview

3 bd2 ba2,128 sqft3 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2004
Lot8,712 sqft
Living area2,128 sqft
Price / sqft$188
Garage3 car

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

About this home

Built-in FeaturesCeiling Fans(s)High CeilingsOpen FloorplanSolid Surface CountersSolid Wood CabinetsWalk-in Closet(s)Window Treatments

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.

From the listing

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.

The essentials

Built
2004
Price / sqft
$188
On market
130 days
Annual tax
$3,615
HOA
$214/mo
Flood zone
X · Low risk
Lot
8,712 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Community pool
Fitness center too
3 car garage
Driveway
8,712 sqft lot
Lot size
2,128 sqft
Living area

Payment

Est. monthly payment
$2,796/mo
Down payment (20%)
$79,800
Property taxes
$301/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
8,712 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
Driveway, Garage Door Opener, Golf Cart Garage, Oversized
Days on Market
130
Built-in Features
Ceiling Fans(s)
High Ceilings
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Walk-in Closet(s)
Window Treatments
Rain Gutters
Association Recreation - Owned
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Dishwasher
Dryer
Gas Water Heater
Microwave
Tankless Water Heater
Washer
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,615
Parcel #
6113-088-000

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 Gc
County
Marion
MLS Area
34491 - Summerfield
Lot Size
8,712 sqft
ClearedIn CountyLandscapedOn Golf CoursePavedPrivateUnincorporated
HOA
$214/mo
Nicole Arias

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #OM726021
$399,000-6.1%
$188/sqft
6/5/2026
Listed for sale
Source: Stellar MLS #OM726021
$424,900
$200/sqft

Neighborhood

12716 SE 91st Terrace Rd
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $399,000
$392,500 – $399,000
98.1% – 100% of listTops out right at the list price
80% of listList price
175 of the last 349 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 130 after a $25,900 cut.

Sample: 349 closed home sales in 34491 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,796/mo
Principal & interest$2,081
Property taxes$301
Insurance$200
HOA$214
Down payment20% · $79,800
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

$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.

Offer

What should I offer?

Have another question?

Brokered byJUDY L. TROUT REALTYListing agent: Jennifer TrailListing data from Stellar MLS, MLS# OM726021.

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