10358 SE 178 Pl, photo 1
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Overview

2 bd2 ba1,260 sqft1 car garageSingle Family
TypeSingle Family
HOA$179/mo
Built1991
Lot10,890 sqft
Living area1,260 sqft
Price / sqft$171
Garage1 car

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About this home

Ceiling Fans(s)Split BedroomWalk-in Closet(s)Window TreatmentsRain GuttersAssociation Recreation - OwnedBuyer Approval RequiredClubhouse

10358 SE 178 Pl is a 1991-built home in Spruce Creek South, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,260 square feet of living space. Listed at $214,900 (about $171/sqft), 110 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179 monthly.

From the listing

Virtually Staged. Charming Updated Pecan Floor Plan in Spruce Creek South – Active 55+ Living at Its Best! Welcome home to this beautifully maintained 2-bedroom, 2-bath Pecan floor plan nestled in the desirable Spruce Creek South 55+ golf cart community. Offering the perfect blend of comfort, updates, and low-maintenance living, this home is ready for its next owner. A welcoming covered front porch, attractive leaded glass entry door, and decorative concrete landscape curbing create wonderful curb appeal. Inside, you’ll appreciate the spacious layout highlighted by 18-inch diagonal tile flooring throughout the living room, dining room, and kitchen. The bright kitchen features tile countertops, a convenient pass-through to the Florida room, and a newer stainless steel refrigerator, range, microwave, and dishwasher. Updated light fixtures throughout and a ceiling fan in the living room provide a fresh, modern feel. The Florida room offers additional living space with durable laminate flooring, making it the perfect spot to relax, read, or entertain guests. Both bedrooms are generously sized with comfortable carpeting. The spacious primary suite features a private ensuite bath complete with a walk-in shower, while both bathrooms have been updated with newer cabinetry and raised-height toilets for added comfort and convenience. Step outside to enjoy the private open patio, ideal for morning coffee or evening relaxation.Major updates have already been completed for peace of mind, including: * Roof replaced in 2024 * HVAC replaced in 2025 * Updated lighting throughout * Updated bathroom cabinetry * Raised-height toilets in both bathrooms A one-car garage completes this wonderful home, all located within the amenity-rich Spruce Creek South, where residents enjoy golf-cart access to shopping, recreation, clubs, and an active Florida lifestyle. Move-in ready and waiting for you to enjoy everything this exceptional 55+ community has to offer!

The essentials

Built
1991
Price / sqft
$171
On market
110 days
Annual tax
$3,249
HOA
$179/mo
Flood zone
X · Low risk
Lot
10,890 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Community pool
Fitness center too
1 car garage
Driveway
0.25 acres
Lot size
1,260 sqft
Living area

Payment

Est. monthly payment
$1,678/mo
Down payment (20%)
$42,980
Property taxes
$271/mo
HOA
$179/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
10,890 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Off Street
Days on Market
110
Ceiling Fans(s)
Split Bedroom
Walk-in Closet(s)
Window Treatments
Rain Gutters
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Restaurant
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone x
Annual Tax (2025)
$3,249
Parcel #
6005-007-019

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
10,890 sqft
ClearedIn CountyLandscapedPaved
HOA
$179/mo
Spruce creek South Operations

Price history

Date
Event
Price
6/24/2026
Listed for sale
Source: Stellar MLS #OM727240
$214,900
$171/sqft

Neighborhood

10358 SE 178 Pl
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $214,900
$210,000 – $214,900
98.1% – 100% of listTops out right at the list price
80% of listList price
173 of the last 345 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 110.

Sample: 345 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
$1,678/mo
Principal & interest$1,121
Property taxes$271
Insurance$107
HOA$179
Down payment20% · $42,980
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

$214,900

$171 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,260 sq ft

Time on market

110 days

Year built

1991

Monthly payment

About $1,678/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,249 annual tax bill, insurance, and the $179/mo HOA fee.

HOA fee

$179/mo

Managed by Spruce creek South Operations.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byJUDY L. TROUT REALTYListing agent: Jennifer TrailListing data from Stellar MLS, MLS# OM727240.

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