10731 SE 174th Loop, photo 1
Active
1 / 59

Overview

2 bd2 ba1,736 sqft2 car garageSingle Family
TypeSingle Family
HOA$179/mo
Built1994
Lot8,712 sqft
Living area1,736 sqft
Price / sqft$173
Garage2 car

Ask anything about this home

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Lighting

10731 SE 174th Loop is a 1994-built home in Spruce Creek South, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,736 square feet of living space. Listed at $299,900 (about $173/sqft), 47 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. Prepare to fall in LOVE with this exceptional one-of-a-kind home in the sought-after 55+ Golf Community of SPRUCE CREEK SOUTH, where comfort, style, and the carefree Florida lifestyle come together beautifully! With 1,736 square feet under air, this spacious 2 Bedroom, 2 Bath home offers an inviting split-bedroom floor plan designed for both privacy and effortless entertaining, along with an INDOOR LAUNDRY room and not one, but TWO comfortable living areas. From the moment you arrive, the FRESH NEW LANDSCAPING and NEWER SCREENED FRONT PORCH create a warm and welcoming first impression. Inside, the home continues to impress with thoughtful updates to include Chair Rail Molding in Living and Dining rooms, NEW UPSCALE CEILING FANS AND LIGHTING. The spacious Primary suite is a true retreat, Featuring a large bedroom and an incredible 12 x 17 WALK IN CLOSET with plenty of room to organize everything with ease. Both bathrooms Feature convenient UPDATED WALK IN SHOWERS, adding comfort and accessibility to this beautifully maintained home. The updated galley Kitchen is sure to delight, with beautiful UPDATED CABINETRY, TWO PANTRY CABINETS with convenient PULL-OUT SHELVING, a gorgeous GLASS BACKSPLASH, upgraded Laminate countertops, updated appliances, and a cozy breakfast nook that is perfect for morning coffee. WHOLE HOUSE WATER SOFTENER SYSTEM! French doors from the family room open to your own private outdoor oasis—an oversized screened lanai where you can relax, entertain, or simply enjoy the beautiful Florida weather. MOTORIZED HURRICANE SHUTTERS provide added peace of mind. Also room to park a golf cart, motorcycle, etc through the side entry. And when Florida weather takes a turn, you'll be prepared with a WHOLE HOUSE GENERAC GENERATOR. The extended two-car garage provides additional space for vehicles, golf carts, hobbies, and storage, while the large corner lot gives the property an extra sense of openness and privacy, while the Dusk to Dawn lights surrounding the home add to the ambience. Major updates include a NEW ROOF 2022 and HVAC 2018, making this home as practical as it is beautiful. Best of all, this wonderful home is located in SPRUCE CREEK SOUTH, a vibrant 55+ Gated Golf Community adjacent to THE VILLAGES, Florida off Hwy 441/US 27. Here, every day can feel like a vacation, with an array of amenities, activities, social clubs, recreation, and golf right outside your door. Whether you're looking to spend your days on the golf course, meeting friends, enjoying community activities, or simply relaxing on your screened lanai, this is Florida living at its finest. Come discover your own little piece of paradise, you may never want to leave!

The essentials

Built
1994
Price / sqft
$173
On market
47 days
Annual tax
$2,837
HOA
$179/mo
Flood zone
X · Low risk
Lot
8,712 sqft
Type
Single Family Residence

At a glance

Single family
Built 1994
Community pool
Fitness center too
2 car garage
Golf Cart Garage
8,712 sqft lot
Lot size
1,736 sqft
Living area

Payment

Est. monthly payment
$2,129/mo
Down payment (20%)
$59,980
Property taxes
$236/mo
HOA
$179/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1994
Lot
8,712 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Golf Cart Garage, Oversized
Days on Market
47
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Lighting
Private Mailbox
Private Yard
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Tennis Court(s)
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,837
Parcel #
6013-002-001

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
8,712 sqft
HOA
$179/mo
Jeanette Morgan

Price history

Date
Event
Price
8/25/2026
Listed for sale
Source: Stellar MLS #OM730787
$299,900
$173/sqft

Neighborhood

10731 SE 174th Loop
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $299,900
$295,000 – $299,900
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 47.

Sample: 344 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
$2,129/mo
Principal & interest$1,564
Property taxes$236
Insurance$150
HOA$179
Down payment20% · $59,980
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$299,900

$173 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,736 sq ft

Time on market

47 days

Year built

1994

Monthly payment

About $2,129/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,837 annual tax bill, insurance, and the $179/mo HOA fee.

HOA fee

$179/mo

Managed by Jeanette Morgan.

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 byKELLER WILLIAMS CORNERSTONE REListing agent: Cindy SchutteListing data from Stellar MLS, MLS# OM730787.

Keep exploring Florida

Pick up where you left off, or see what else is out there.