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About this home
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.
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)
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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.
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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.
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