12771 SE 92nd Ter, photo 1
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Overview

2 bd2 ba1,307 sqft2 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2000
Lot9,148 sqft
Living area1,307 sqft
Price / sqft$218
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsStone CountersWalk-in Closet(s)Private MailboxRain GuttersAssociation Recreation - OwnedClubhouse

12771 SE 92nd Ter is a 2000-built home in Spruce Creek Gc, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,307 square feet of living space. Listed at $284,900 (about $218/sqft), 100 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.

From the listing

Move-In Ready and Absolutely Stunning! This beautifully updated 2-bedroom, 2-bath home with a spacious Florida room under heat and air has been meticulously maintained and is truly a showcase of pride of ownership. Exceptionally cared for making this an easy transition to your Florida lifestyle. The bright, open floor plan features a light-filled front kitchen, a spacious living room, and a cozy Florida room with two sets of sliding glass doors featuring enclosed blinds From the moment you arrive, you’ll appreciate the inviting front porch and the professionally painted, flaked, and sealed driveway and sidewalk, which have been regularly maintained. A Hide-A-Screen front door allows you to enjoy Florida’s beautiful breezes. The interior, including the garage, was professionally painted in decorator colors Luxury vinyl plank flooring was installed throughout the home, with three extra cartons included for future use if needed The beautifully updated kitchen features granite countertops, stainless steel appliances, recessed LED lighting with dimmers, and convenient roll-out cabinet drawers. Both bathrooms have been thoughtfully updated with new faucets and shower heads and comfort-height toilets. The low-maintenance exterior is beautifully landscaped with decorative curbing and stone accents. Additional improvements include updated underground wiring, socket, and sensor for the lamp post. Major updates include: • New HVAC system (May 2025) • New roof (April 2021) • Stainless steel kitchen appliances (2024) • Granite countertops (2020) • Water heater (2016) The immaculate garage is finished with drywall, a professionally painted, flaked, and sealed floor, updated screens and kickplates, a new garage door opener (December 2024), and bright LED lighting. Additional improvements include newer smoke detectors, LED kitchen lighting, updated light switches throughout most of the home, and an LED front porch light with timer. This exceptional home is truly move-in ready, offering quality upgrades, modern finishes, and meticulous maintenance throughout. Located in the award-winning, gated Del Webb Spruce Creek Golf & Country Club, this premier 55+ community of approximately 3,250 homes offers an unmatched active lifestyle with more than 70 clubs and activities, three pools, three spas, a clubhouse, fitness center, four 9-hole golf courses, 12 LIGHTED PICKLEBALL COURTS, seven LIGHTED TENNIS COURTS, bocce, shuffleboard, sand and water volleyball, scenic walking paths, Lake Vista Gazebo, pavilions, and the popular on-site Liberty Grille restaurant. The community’s signature tree-lined boulevard creates a beautiful setting you’ll enjoy every day. This is your opportunity to own a meticulously maintained, move-in-ready home in one of Central Florida’s premier active adult communities. Schedule your private showing today and start living your best life!

The essentials

Built
2000
Price / sqft
$218
On market
100 days
Annual tax
$2,062
HOA
$214/mo
Flood zone
X · Low risk
Lot
9,148 sqft
Type
Single Family Residence

At a glance

Single family
Built 2000
Community pool
Fitness center too
2 car garage
9,148 sqft lot
Lot size
1,307 sqft
Living area

Payment

Est. monthly payment
$2,014/mo
Down payment (20%)
$56,980
Property taxes
$172/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2000
Lot
9,148 sqft
Cooling
Central Air
Heating
Gas
Parking
-
Days on Market
100
Ceiling Fans(s)
High Ceilings
Stone Counters
Walk-in Closet(s)
Private Mailbox
Rain Gutters
Association Recreation - Owned
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
No Truck/Rv/Motorcycle Parking
Pool
Tennis Court(s)
Dishwasher
Dryer
Gas Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,062
Parcel #
6120-077-000

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
9,148 sqft
HOA
$214/mo
Nicole Arias Leland Management

Price history

Date
Event
Price
7/6/2026
Listed for sale
Source: Stellar MLS #OM727635
$284,900
$218/sqft

Neighborhood

12771 SE 92nd Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $284,900
$280,000 – $284,900
98.1% – 100% of listTops out right at the list price
80% of listList price
176 of the last 350 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 100.

Sample: 350 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
$2,014/mo
Principal & interest$1,486
Property taxes$172
Insurance$142
HOA$214
Down payment20% · $56,980
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

$284,900

$218 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,307 sq ft

Time on market

100 days

Year built

2000

Monthly payment

About $2,014/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,062 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

What should I offer?

Have another question?

Brokered bySELLSTATE NGR- SUMMERFIELDListing agent: Virgil KappListing data from Stellar MLS, MLS# OM727635.

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