12456 SE 92nd Ter, photo 1
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Overview

2 bd2 ba2,016 sqft2 car garageSingle Family
TypeSingle Family
HOA$214/mo
Built2001
Lot13,068 sqft
Living area2,016 sqft
Price / sqft$171
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanSplit BedroomThermostatWalk-in Closet(s)

12456 SE 92nd Ter is a 2001-built home in Spruce Creek Gc, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 2,016 square feet of living space. Listed at $344,900 (about $171/sqft), 4 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $214 monthly.

From the listing

Set on nearly one-third of an acre, this Santa Rosa model features a split two-bedroom, two-bath layout with a den, an oversized tiled lanai under heat and air, and an extended garage. The front porch leads to an entry door with a sidelight and transom window. From the foyer, the den with French doors is to the left, the living and dining rooms are straight ahead, and the kitchen is to the right. The kitchen includes an island and a bright eat-in area surrounded by windows. The spacious primary bedroom opens to the lanai and includes an ensuite with a separate garden tub and shower, private water closet, dual-sink vanity, and large walk-in closet. The hallway offers both a large storage closet and a coat closet. The laundry room connects the home to the oversized garage, which includes pull-down attic storage, a utility sink, and a side service door. The extended lanai features windows on all sides, ceiling fans, a tiled floor, and access to a pleasant rear patio. The roof was replaced in 2019, the HVAC system in 2022, and the water heater in 2016. All ductwork was replaced in March 2025. Located in the tree-canopied Del Webb Spruce Creek Golf & Country Club, this gated 55+ community offers outstanding amenities, four 9-hole golf courses, 3 pools, pickleball and tennis courts, volleyball, shuffleboard, bocce ball, basketball courts, horseshoes, softball field, Liberty Grille Restaurant and more than 70 clubs. Conveniently situated north of The Villages and south of Ocala, it is close to fine dining, shopping, and entertainment. (Virtually Staged Photos)

The essentials

Built
2001
Price / sqft
$171
On market
16 days
Annual tax
$2,720
HOA
$214/mo
Flood zone
X · Low risk
Lot
13,068 sqft
Type
Single Family Residence

At a glance

Single family
Built 2001
Community pool
Fitness center too
2 car garage
Driveway
0.30 acres
Lot size
2,016 sqft
Living area

Payment

Est. monthly payment
$2,412/mo
Down payment (20%)
$68,980
Property taxes
$227/mo
HOA
$214/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2001
Lot
13,068 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
Driveway, Garage Door Opener, Oversized
Days on Market
16
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Split Bedroom
Thermostat
Walk-in Closet(s)
Private Mailbox
Rain Gutters
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Wheelchair Access
Dishwasher
Disposal
Dryer
Exhaust Fan
Gas Water Heater
Ice Maker
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,720
Parcel #
6118-038-000

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
13,068 sqft
HOA
$214/mo
Nicole Arias

Price history

Date
Event
Price
9/24/2026
Listed for sale
Source: Stellar MLS #OM732805
$344,900
$171/sqft

Neighborhood

12456 SE 92nd Ter
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 16.

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
$2,412/mo
Principal & interest$1,799
Property taxes$227
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

$171 per sq ft

Beds and baths

2 beds, 2 baths

Size

2,016 sq ft

Time on market

16 days

Year built

2001

Monthly payment

About $2,412/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,720 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

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Have another question?

Brokered byRE/MAX PREMIER REALTY LADY LKListing agent: Jaylene SheldonListing data from Stellar MLS, MLS# OM732805.

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