10190 SE 178th St, photo 1
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Overview

2 bd2 ba1,008 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.98/mo
Built1991
Lot10,890 sqft
Living area1,008 sqft
Price / sqft$228
Garage2 car

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

About this home

Ceiling Fans(s)Primary Bedroom Main FloorWalk-in Closet(s)Private MailboxRain GuttersBuyer Approval RequiredClubhouseDeed Restrictions

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.

From the listing

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.

The essentials

Built
1991
Price / sqft
$228
On market
31 days
Annual tax
$2,181
HOA
$179.98/mo
Flood zone
X · Low risk
Lot
10,890 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Community pool
Fitness center too
2 car garage
Driveway
0.25 acres
Lot size
1,008 sqft
Living area

Payment

Est. monthly payment
$1,677/mo
Down payment (20%)
$46,000
Property taxes
$182/mo
HOA
$179.98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
10,890 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
31
Ceiling Fans(s)
Primary Bedroom Main Floor
Walk-in Closet(s)
Private Mailbox
Rain Gutters
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,181
Parcel #
6004-002-005

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 04
County
Marion
MLS Area
34491 - Summerfield
Lot Size
10,890 sqft
HOA
$179.98/mo
Jeanette Morgan

Price history

Date
Event
Price
9/16/2026
Listed for sale
Source: Stellar MLS #OM732456
$229,999
$228/sqft

Neighborhood

10190 SE 178th St
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $229,999
$225,000 – $229,999
98% – 100% of listTops out right at the list price
80% of listList price
183 of the last 365 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 31.

Sample: 365 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
$1,676/mo
Principal & interest$1,200
Property taxes$182
Insurance$115
HOA$180
Down payment20% · $46,000
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

$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.

Offer

What should I offer?

Have another question?

Brokered byLAND TO SEA REALTY LLCListing agent: DeLisa BolingListing data from Stellar MLS, MLS# OM732456.

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