17676 SE 102nd Cir, photo 1
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Overview

3 bd3 ba1,988 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.98/mo
Built1991
Lot15,246 sqft
Living area1,988 sqft
Price / sqft$133
Garage2 car

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Saturday, Oct 17 · 11:00 AM to 2:00 PM

About this home

Ceiling Fans(s)Private MailboxPrivate YardBuyer Approval RequiredClubhouseDeed RestrictionsDog ParkFitness Center

17676 SE 102nd Cir is a 1991-built home in Spruce Crk South, Summerfield. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,988 square feet of living space. Listed at $265,000 (about $133/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.98 monthly.

From the listing

Motivated Seller - $14,900 PRICE REDUCTION ....Beautifully upgraded and truly one of a kind 3BR Dogwood model on an oversized 1/3 acre private lot in Spruce Creek South. Offering nearly 2,000 sq ft of living area under HVAC including a large 24 x 14 ft glass enclosed Florida Room - PLUS an additional 210 sq ft enclosed Lanai, this home delivers exceptional living space rarely found in the community. The 2.5 bath layout is a standout feature, providing comfort and convenience for owners and guests alike. The home sits on a quiet half circle road with minimal traffic and showcases lush landscaping, a fenced yard, and a private irrigation well for low water costs. Inside, enjoy newer laminate flooring, fresh interior paint, and an updated kitchen with newer cabinets featuring pull out shelves, solid surface counters, stainless appliances, and a tiled backsplash. Solar tubes brighten the kitchen, dining room, living room, master bath, and guest bath with natural light. Elegant plantation shutters frame the Living and FL Room windows. The master suite includes custom closet shelving and a new entry-level shower ideal for accessibility. Guest bedrooms also feature custom closet shelving and updated fixtures. Additional highlights include a 2021 roof, 2023 A/C, 2021 hot water heater, brick front elevation, privacy screen on the garage door, and an oversized garage extended 4 ft for extra storage or workspace. This exceptional property blends space, privacy, upgrades, and comfort—an outstanding opportunity in Spruce Creek South. (Note- washer and dryer are not included)

The essentials

Built
1991
Price / sqft
$133
On market
102 days
Annual tax
$4,350
HOA
$179.98/mo
Flood zone
X · Low risk
Lot
15,246 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Community pool
Fitness center too
2 car garage
Oversized
0.35 acres
Lot size
1,988 sqft
Living area

Payment

Est. monthly payment
$2,057/mo
Down payment (20%)
$53,000
Property taxes
$362/mo
HOA
$179.98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
15,246 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Oversized
Days on Market
102
Ceiling Fans(s)
Private Mailbox
Private Yard
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$4,350
Parcel #
6003-016-005

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 Crk South
County
Marion
MLS Area
34491 - Summerfield
Lot Size
15,246 sqft
LandscapedOversized LotPaved
HOA
$179.98/mo
Tracy Brown

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #OM727515
$265,000-5.3%
$133/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #OM727515
$279,900
$141/sqft

Neighborhood

17676 SE 102nd Cir
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $265,000
$260,000 – $265,000
98% – 100% of listTops out right at the list price
80% of listList price
181 of the last 360 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 102 after a $14,900 cut.

Sample: 360 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
$2,057/mo
Principal & interest$1,382
Property taxes$362
Insurance$133
HOA$180
Down payment20% · $53,000
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

$265,000

$133 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,988 sq ft

Time on market

102 days

Year built

1991

Monthly payment

About $2,057/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,350 annual tax bill, insurance, and the $179.98/mo HOA fee.

HOA fee

$179.98/mo

Managed by Tracy 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?

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Brokered byJUDY L. TROUT REALTYListing agent: Charles CampbellListing data from Stellar MLS, MLS# OM727515.

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