13103 SE 86th CT, photo 1
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Overview

3 bd2 ba2,413 sqft2 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2005
Lot12,197 sqft
Living area2,413 sqft
Price / sqft$166
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersThermostat

13103 SE 86th CT is a 2005-built home in Spruce Creek Gc, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,413 square feet of living space. Listed at $399,900 (about $166/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.

From the listing

A spacious Kingston model is now available in Firethorne. This 3-bedroom, 2-bath home features a screened lanai and birdcage with a Sunbrella top (20 x 48). Recent updates include a 2022 HVAC system, 2024 water heater, 2017 re-piping, 2013 roof replacement, and a whole-house water filtration system. The large kitchen offers 42-inch cabinets, an attractive backsplash, and plenty of opportunity for customization. Nearby, you’ll find a built-in office space and an extended garage with tandem golf cart parking and generous storage. Crown molding adds elegance to the dining room, living room, and tray ceiling in the primary bedroom. The primary bath includes a frameless shower with built-in seating and a private water closet. Additional highlights include double-door entry with oval designer glass inserts, a double Phantom screen, and a designer-painted, textured driveway and sidewalk for added curb appeal. Set on a large irregular lot directly across from the Firethorne pond, the property offers beautiful views and a sense of privacy. Residents of Del Webb’s Spruce Creek Golf & Country Club enjoy more than 70 clubs and extensive amenities, including basketball, bocce ball, pickleball, tennis, softball, shuffleboard, three swimming pools, a state-of-the-art fitness center, hot tubs, water and sand volleyball, a community center, and Liberty Grille Restaurant. The seller is also offering a one-year Broward Factory Service home warranty. Contact us today to schedule a private showing.

The essentials

Built
2005
Price / sqft
$166
On market
25 days
Annual tax
$3,104
HOA
$214/mo
Flood zone
X · Low risk
Lot
12,197 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Fitness center too
2 car garage
0.28 acres
Lot size
2,413 sqft
Living area

Payment

Est. monthly payment
$2,759/mo
Down payment (20%)
$79,980
Property taxes
$259/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
12,197 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
25
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Rain Gutters
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
No Truck/Rv/Motorcycle Parking
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Wheelchair Access
Dishwasher
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Refrigerator
Washer
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,104
Parcel #
6126-232-000

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
12,197 sqft
HOA
$214/mo
Nicole Arias

Price history

Date
Event
Price
9/15/2026
Listed for sale
Source: Stellar MLS #OM732157
$399,900
$166/sqft

Neighborhood

13103 SE 86th CT
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $399,900
$392,500 – $399,900
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 25.

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
$2,758/mo
Principal & interest$2,086
Property taxes$259
Insurance$200
HOA$214
Down payment20% · $79,980
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

$399,900

$166 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,413 sq ft

Time on market

25 days

Year built

2005

Monthly payment

About $2,759/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,104 annual tax bill, insurance, and the $214/mo HOA fee.

HOA fee

$214/mo

Managed by Nicole Arias.

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 byRE/MAX PREMIER REALTY LADY LKListing agent: Jaylene SheldonListing data from Stellar MLS, MLS# OM732157.

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