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About this home
10190 SE 178th St is a 1991-built home in Spruce Crk South 04, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,008 square feet of living space. Listed at $229,999 (about $228/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.98 monthly.
Located in Spruce Creek South, this Pecan model home is a gem! Upon arrival, you are greeted by a lovely exterior and a welcoming front porch. Offering 2 bedrooms and 2 full bathrooms, the atmosphere is inviting and tranquil with Luxury Vinyl Tile (LVT) flooring throughout and plenty of natural light. Enjoy the recently refreshed kitchen featuring a new dishwasher, a new over-the-range microwave, and updated countertops. The spacious primary bedroom features a walk-in closet and an en-suite bath. The enclosed lanai with tile flooring is the perfect place to relax, entertain, and extend your indoor living space. The fenced-in backyard is a secure retreat with a vinyl-coated chain-link fence and an extended outdoor patio slab perfect for grilling. A new rear storm door, recently added retractable sun shades on the front porch, and outdoor motion-sensor lights add to the overall appeal. The 2-car garage is equipped with a convenient sliding screen door, offering a well-ventilated workspace or parking. This fantastic home has been lovingly maintained. Recent improvements include a 2025 roof, a 2026 water heater, and a brand-new electrical panel that meets the new regulations that went into effect in September 2026. The septic tank was also pumped this year, and new smoke alarms have been installed throughout. All of these notable features offer convenience and peace of mind. Spruce Creek South is Summerfield’s highly desirable, active 55+ community, conveniently located near The Villages. Community amenities include a community center, a heated pool with a separate jacuzzi, a fitness center, pickleball courts, a billiards room, a library, and card rooms. The opportunity to socialize is endless, with numerous classes, activities, groups, and seasonal community events with live entertainment. If you are a golf enthusiast, be sure to check out the gentle rolling greens at The Links at Spruce Creek South. Adding additional convenience to your active lifestyle, shopping, dining, and medical facilities are just a golf cart ride away. For those looking to move right in, furnishings are negotiable. There’s so much to love about this home and community! We invite you to schedule a showing today.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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
$229,999
$228 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,008 sq ft
Time on market
31 days
Year built
1991
Monthly payment
About $1,677/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,181 annual tax bill, insurance, and the $179.98/mo HOA fee.
HOA fee
$179.98/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.
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