12603 SE 90th Ter, photo 1
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Overview

2 bd2 ba1,596 sqft2 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2004
Lot6,534 sqft
Living area1,596 sqft
Price / sqft$194
Garage2 car

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Open house

Sunday, Oct 11 · 1:00 PM to 3:00 PM

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomWalk-in Closet(s)Private MailboxRain Gutters

12603 SE 90th Ter is a 2004-built home in Spruce Creek Gc, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,596 square feet of living space. Listed at $309,900 (about $194/sqft), 104 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.

From the listing

LOOK LOOK LOOK $29,100 PRICE REDUCTION! OVER $30,000 IN OWNER IMPROVEMENTS IN THE PAST 18 MONTHS. THIS HOME HAS IT ALL. Ideally located in the heart of the desirable Torrey Pines community, this move-in-ready home offers exceptional value with numerous recent upgrades and a popular split-bedroom floor plan featuring a separate den/study, perfect for a home office or flex space. Diagonal tile flooring extends throughout the main living areas, with carpeting in both the primary and guest bedrooms. The well-appointed kitchen features beautiful quartz countertops, a lowered breakfast bar, an attractive tiled backsplash, under-cabinet lighting, and stainless steel appliances installed in 2021. The spacious primary suite includes a beautifully updated bathroom with a brand-new walk-in shower. Relax year-round in the enclosed lanai with acrylic windows, diagonal tile flooring, and privacy roller shades. Beyond the lanai, the expansive 21' x 15' birdcage with Chattanooga River Rock flooring provides the perfect outdoor space for entertaining or simply enjoying the Florida lifestyle. Additional features include low-maintenance landscaping, designer-painted driveway, sidewalk, and front porch, two solar tubes that fill the home with natural light (located in the guest bathroom and primary bedroom), and an interior laundry room with a new washer and dryer that is also plumbed for a garage laundry setup. The garage is equipped with pull-down attic storage, a utility sink, a sliding screen system, and a new $3,700 roll-up garage door screen. Major updates provide added peace of mind, including a re-shingled roof (2021), stainless steel kitchen appliances (2021), complete attic re-piping by Johnson Brothers, exterior paint (2020), interior paint (2025), and a new HVAC system (2025). AWARD-WINNING Del Webb Spruce Creek Golf & Country Club is a GATED, 3,250 home, +55 Community with over 70 clubs, 3 pools, 3 spas, a Clubhouse, a Fitness Center, Bocce Ball, Shuffleboard, 12 Pickle ball Courts, 7 Tennis Courts, Sand Volleyball, Water Volleyball, Lake Vista Gazebo, Pavilions, Walking Paths and so much more! Come see this beautiful community with a GORGEOUS Tree Canopy on the Boulevard and its Restaurant, Liberty Grille. Come, enjoy the four (4) 9-hole Golf Courses today and begin living your BEST LIFE! DON'T WAIT TO SEE THIS BEAUTIFUL HOME

The essentials

Built
2004
Price / sqft
$194
On market
104 days
Annual tax
$1,848
HOA
$214/mo
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
2 car garage
6,534 sqft lot
Lot size
1,596 sqft
Living area

Payment

Est. monthly payment
$2,139/mo
Down payment (20%)
$61,980
Property taxes
$154/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
6,534 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
104
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Walk-in Closet(s)
Private Mailbox
Rain Gutters
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
No Truck/Rv/Motorcycle Parking
Tennis Court(s)
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,848
Parcel #
6113-171-000

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
6,534 sqft
HOA
$214/mo
Nicole Arias Leland Management

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #OM727507
$309,900-3.2%
$194/sqft
-
Price change
Source: Stellar MLS #OM727507
$320,000-5.6%
$201/sqft
6/28/2026
Listed for sale
Source: Stellar MLS #OM727507
$339,000
$212/sqft

Neighborhood

12603 SE 90th Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $309,900
$305,000 – $309,900
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 104 after a $29,100 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
$2,139/mo
Principal & interest$1,616
Property taxes$154
Insurance$155
HOA$214
Down payment20% · $61,980
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 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

$309,900

$194 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,596 sq ft

Time on market

104 days

Year built

2004

Monthly payment

About $2,139/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,848 annual tax bill, insurance, and the $214/mo HOA fee.

HOA fee

$214/mo

Managed by Nicole Arias Leland Management.

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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Have another question?

Brokered bySELLSTATE NGR- SUMMERFIELDListing agent: Virgil KappListing data from Stellar MLS, MLS# OM727507.

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