17965 SE 102nd Ter, photo 1
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Overview

2 bd2 ba1,296 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.98/mo
Built1991
Lot12,197 sqft
Living area1,296 sqft
Price / sqft$189
Garage2 car

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Saturday, Oct 10 · 4:00 PM to 7:00 PM

About this home

ClubhouseDeed RestrictionsDog ParkFitness CenterGated Community - GuardGolf Carts OKGolfHandicap Modified

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.

From the listing

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.

The essentials

Built
1991
Price / sqft
$189
On market
11 days
Annual tax
$3,613
HOA
$179.98/mo
Flood zone
X · Low risk
Lot
12,197 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Community pool
Fitness center too
2 car garage
0.28 acres
Lot size
1,296 sqft
Living area

Payment

Est. monthly payment
$1,882/mo
Down payment (20%)
$49,000
Property taxes
$301/mo
HOA
$179.98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
12,197 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
11
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
Pool
Restaurant
Tennis Court(s)
Dishwasher
Disposal
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$3,613
Parcel #
6004-009-001

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 South 04
County
Marion
MLS Area
34491 - Summerfield
Lot Size
12,197 sqft
HOA
$179.98/mo
Spruce Creek South Operations/Jeanette Morgan

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #S5158562
$245,000
$189/sqft

Neighborhood

17965 SE 102nd Ter
Summerfield, FL, 34491 · 34491 - Summerfield

Market insights

Offer Insights

Choose an offer strength

List price: $245,000
$240,000 – $245,000
98.1% – 100% of listTops out right at the list price
80% of listList price
172 of the last 343 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 11.

Sample: 343 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
$1,881/mo
Principal & interest$1,278
Property taxes$301
Insurance$123
HOA$180
Down payment20% · $49,000
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 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.

Offer

What should I offer?

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Brokered byREAL BROKER, LLCListing agent: Jodenny OgandoListing data from Stellar MLS, MLS# S5158562.

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