8970 SE 118th Ln, photo 1
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Overview

3 bd2 ba1,958 sqft2 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2005
Lot7,405 sqft
Living area1,958 sqft
Price / sqft$176
Garage2 car

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Open house

Saturday, Oct 10 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanPrimary Bedroom Main FloorWindow TreatmentsClubhouseDeed RestrictionsDog Park

8970 SE 118th Ln is a 2005-built home in Spruce Creek Gc, Summerfield. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,958 square feet of living space. Listed at $344,900 (about $176/sqft), 19 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.

From the listing

LOCATION, LOCATION, LOCATION! How would you like a 10-ACRE BACKYARD THAT YOU DON’T HAVE TO MAINTAIN? This beautiful home backs to a dedicated 10-acre common area/dry retention area that is attractively maintained and groomed, providing an expansive open view from the main living areas and screened lanai. Built with solid block-and-stucco construction, this was also one of the last homes built in the community, making it one of the newer homes to come to market. This home is being offered as nearly “TURNKEY”. Beautiful leaded cut-glass double entry doors welcome you into approximately 1,948 square feet featuring 3 spacious bedrooms. The desirable split-bedroom floor plan provides privacy for owners and guests, with the secondary bedrooms located opposite the private primary suite. 18-inch tile laid on the diagonal enhances the main living areas, while mature landscaping adds to the home’s attractive curb appeal. Step outside to the impressive 32' x 10' screened lanai featuring a River Rock floor—the perfect place to relax, entertain, and enjoy the peaceful view of the beautifully maintained common area. It feels like having your own enormous backyard without the mowing or upkeep! The primary suite offers a spacious bath featuring a soaking tub, separate glass-enclosed shower, and double vanity. Additional highlights include a 2023 ROOF and mature landscaping surrounding the property. Located in award-winning Del Webb Spruce Creek Golf & Country Club, a gated 3,250-home active 55+ community offering an outstanding Florida lifestyle. Residents enjoy 70+ clubs and activities, 3 swimming pools, 3 spas, clubhouse, fitness center, bocce, shuffleboard, 12 lighted pickleball courts, 7 lighted tennis courts, sand and water volleyball, scenic walking paths, Lake Vista Gazebo, pavilions, Liberty Grille Restaurant, and four 9-hole golf courses. The community’s signature tree-lined boulevard provides a welcoming setting you’ll love coming home to. Don’t miss this opportunity to own one of the community’s newer homes with a truly special setting and an incredible 10-acre view right outside your back door! Schedule your private showing today and start enjoying the Del Webb lifestyle!

The essentials

Built
2005
Price / sqft
$176
On market
19 days
Annual tax
$5,349
HOA
$214/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
2 car garage
7,405 sqft lot
Lot size
1,958 sqft
Living area

Payment

Est. monthly payment
$2,631/mo
Down payment (20%)
$68,980
Property taxes
$446/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
7,405 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
19
Ceiling Fans(s)
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Window Treatments
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
No Truck/Rv/Motorcycle Parking
Restaurant
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$5,349
Parcel #
6115-142-000

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
7,405 sqft
HOA
$214/mo
Leland Management / Nicole Arias

Price history

Date
Event
Price
9/21/2026
Listed for sale
Source: Stellar MLS #OM732597
$344,900
$176/sqft

Neighborhood

8970 SE 118th Ln
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $344,900
$337,500 – $344,900
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 19.

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
$2,631/mo
Principal & interest$1,799
Property taxes$446
Insurance$172
HOA$214
Down payment20% · $68,980
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

$344,900

$176 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,958 sq ft

Time on market

19 days

Year built

2005

Monthly payment

About $2,631/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,349 annual tax bill, insurance, and the $214/mo HOA fee.

HOA fee

$214/mo

Managed by Leland Management / 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 bySELLSTATE NGR- SUMMERFIELDListing agent: Virgil KappListing data from Stellar MLS, MLS# OM732597.

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