$229,000

17929 104th Terrace

Summerfield, FL 34491

Listing updated: June 6, 2026 at 2:06 PM ET

Active

Beds

Baths

1,295

Sq Ft

0.26

Acres

1992

Built

◆55+ community◆$177/sqft

Single Family Residence

Property type

1992

Year built

11,326 sqft

Lot size

$177

Price / sq ft

$180/mo

HOA dues

135

Days on market

Garage spaces

Flood zone

About this home

You won’t want to miss this charming home located in the desirable 55+ gated community of SPRUCE CREEK SOUTH, just a golf cart ride to shopping, restaurants, and entertainment. Eye-catching curb appeal welcomes you with a landscaped bed featuring rock mulch and decorative edging. This FIR model has been freshly painted and features vaulted ceilings, no popcorn ceilings, a painted driveway, and painted front walkway. The under heat and air GLASS-ENCLOSED LANAI adds approximately 295 square feet of living space, includes a golf cart garage, and opens to an outdoor patio overlooking a large backyard that could easily be fenced for pets. This 2-bedroom, 2-bath home offers laminate flooring in the living and dining rooms, carpeted bedrooms, and ceiling fans in the living room, both bedrooms, and the lanai. The kitchen features cream cabinetry and includes a solar tube and Kitchen sink GE Water Filter, with direct access to the two-car garage. Major updates provide peace of mind, including a new roof (2025), HVAC (2016), and water heater (2016). Come see this lovely home in Spruce Creek South’s active community—a perfect blend of comfort, convenience, and Florida charm. Watch our great video attached to listing!!

Estimated monthly payment

Principal & interest$1,158

Property taxes$283

Home insurance (est.)$105

HOA dues$180

Down payment

20%

$45,800 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history135 days on market

Status: Active
Jan 22, 2026
Listed$229,000
Jan 22, 2026
Price increased$229,000

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Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 135
Subdivision: Spruce Creek South
County: Marion
Year built: 1992
Living area: 1,295 sq ft
Price/sq ft: $177
Lot size: 11,326 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: X (12083C0905D)
Garage: 2 spaces
Annual taxes: $3,401 (2025)
Parcel #: 6006-001-014
Zoning: PUD
MLS #: G5106488

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Interior Details

Bedrooms: 2
Full bathrooms: 2
Flooring: Carpet, Laminate, Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Range, Range Hood, Refrigerator, Washer, Water Filtration System
Interior features: Ceiling Fans(s), Primary Bedroom Main Floor, Split Bedroom, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry: Electric Dryer Hookup, In Garage, Washer Hookup
Stories / Levels: One
Direction faces: Southwest

Heating & Cooling

Heating: Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Driveway, Garage Door Opener, Golf Cart Garage, Ground Level, Workshop in Garage

HOA & Financial

HOA fee: $180 / Monthly
Monthly HOA: $180/mo
Total monthly fees: $180/mo
Total annual fees: $2,160
HOA name: Tracy Brown/Spruce Creek South Operations, Inc
CDD: No
Min lease term: 3 Months
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: SEE DEED RESTRICTIONS
Approval process: SEE DEED RESTRICTIONS

Exterior & Construction

Exterior features: Awning(s), Hurricane Shutters, Private Mailbox, Rain Gutters, Sliding Doors
Construction materials: Vinyl Siding, Frame
Roof: Shingle
Foundation: Slab
Road surface: Paved

Utilities

Sewer: Septic Tank
Water source: Public
Utilities: Cable Connected, Electricity Connected, Public, Underground Utilities, Water Connected

Community

Pets allowed: Breed Restrictions, Cats OK, Dogs OK
Senior community: Yes

Room Details

Room	Level	Dimensions
Living Room	First	17x11
Dining Room	First	10x8
Kitchen	First	11x8
Florida Room	First	27x11
Primary Bedroom	First	13x11
Primary Bathroom	First	9x5
Bedroom 2	First	10x11
Bathroom 2	First	8x5

Listing Details

Listing date: 2026-01-22
On market date: 2026-01-22
Original list price: $229,000
Occupant type: Owner
MLS area: 34491 - Summerfield
Listing AOR: Lake and Sumter
Status changed: 2026-01-22
Tax legal description: SEC 35 TWP 17 RGE 23 PLAT BOOK 002 PAGE 049 SPRUCE CREEK SOUTH VI BLK A LOT 14

Flood risk

Minimal riskFEMA Zone XPanel 12083C0905D

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From U.S. 27/441 NORTH turn left onto SE 176th Street into Spruce Creek South. Turn left onto SE 105th Terrace, then right on SE 178th Place, then left on 104th Terrace. Home is left - #17929

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Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of June 6, 2026 at 2:06 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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