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Open house
Saturday, Oct 10 · 4:00 PM to 7:00 PM
About this home
17965 SE 102nd Ter is a 1991-built home in Spruce Creek South 04, Summerfield. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,296 square feet of living space. Listed at $245,000 (about $189/sqft), 9 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.98 monthly.
Turn-key, beautifully remodeled, and just steps from the golf course! Located within a private, gated 55+ golf community in Summerfield, this updated 2-bedroom, 2-bath home offers an affordable opportunity to enjoy the Florida lifestyle with many of the major improvements already completed. Step inside to an open and spacious living area complemented by brand-new flooring throughout, fresh interior paint, contemporary lighting, and modern finishes. The updated kitchen and bathrooms feature granite countertops, modern cabinetry, and upgraded fixtures, creating a clean, refreshed feel throughout the home. One of the highlights is the large, fully air-conditioned sunroom, providing additional space to relax, entertain, or enjoy year-round. Multiple outdoor areas offer even more opportunities to enjoy Florida's sunshine and surroundings. Major improvements include a brand-new roof and a newly sealed epoxy driveway completed in July 2026, adding to the home's move-in-ready appeal. The property is also being offered with brand-new furniture, fixtures, and fittings included, making this an especially convenient option for buyers looking for a seasonal residence, snowbird getaway, or full-time Florida home. The home is located just steps from the scenic Spruce Creek Golf Course, while residents can also enjoy community amenities including golf, a clubhouse, swimming pool, recreational activities, and more, all centered around an active 55+ lifestyle. Conveniently located near shopping, dining, medical facilities, and everyday necessities, with easy access to The Villages, Ocala, and Belleview. Buyers are encouraged to verify all property and community information, included furnishings, renovations, measurements, features, and improvements and to complete any inspections and due diligence they deem necessary. All information is deemed reliable but is not guaranteed.
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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.
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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
$245,000
$189 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,296 sq ft
Time on market
11 days
Year built
1991
Monthly payment
About $1,882/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,613 annual tax bill, insurance, and the $179.98/mo HOA fee.
HOA fee
$179.98/mo
Managed by Spruce Creek South Operations/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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