$244,900
10492 178th Street
Summerfield, FL 34491
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome home to Spruce Creek South, a truly gated, 55+ golf-cart-friendly community in the heart of Central Florida. This cozy yet spacious 2-bedroom, 2-bath 2-car garage with privacy screen doors in front of garage door... 1 Golfcart Garage / utility shed behind the house, this one is a must see. (BRAND NEW WASHER WAS JUST PUT IN 3/14/2026) This home is perfectly situated on an oversized .30-acre corner lot, there is plenty of room for a pool. This home located along the resident gate road with direct access to The Terrace Plaza, placing everyday conveniences just minutes away. Enjoy nearby urgent care, nearby hospitals, dentist, doctors, restaurants, pharmacies, ice cream, medical supplies, beauty spa, nail salon, hairdresser and barber shop, thrift store, butcher shop and flower shops, —and even a Planet Fitness established in 2024. This home features a 2-car garage plus a separate golf cart garage as previously mentioned. Inside, the open floor plan offers a welcoming, modern layout ideal for comfortable living and entertaining. The kitchen with granite counter-tops and stainless steel appliances boasts ample cabinetry and counter space - perfect for any home chef. The open concept is great for entertaining your guest . Relax year-round in the expansive 10’ x 25’ lanai, great for Relaxing and also entertaining year round..., complete with vinyl windows replaced in 2022 and new screens installed in 2023. The home has been meticulously maintained and lightly used—Previous owners occupied only three months per year in the past since 2017-2023, totaling just 18 months of use in that period of 6 years, the new owner has been here a couple of years and decided to go back home to family. Recent Updates & Improvements Include: Transferable Massey Termite bond. Roof – December 2021*** HVAC – 2023 Newer Stainless-steel appliances - 2024 Tile flooring in both bathrooms– 2017 Luxury Porcelain plank floors in rest of the house - 2024 High end Bali Blinds - 2024 Washer and Dryer - 2024 Newer 6 panel doors -2024 Newer Primary Bedroom Shower 2024 Newer Granite Counter Tops - 2024 Newer Simply Safe Alarm - 2024 Newer Ring Door-bell - 2024 Newer hot water heater - 2024 Newer Wi-Fi Garage Opener with Camera and app. -2024 Electrical Panel was replaced by a new one in - 2025 Ceiling fans – 2020 Primary Bedroom fan 2024 Master bath: new toilet and granite vanity top - 2024 Guest bath: vanity & medicine cabinet (2018), exhaust fan (2022) Irrigation controller – 2021 With no bond, this home offers exceptional value and peace of mind. Residents of Spruce Creek South enjoy a vibrant lifestyle with countless amenities, including golf, shuffleboard, pickle ball, tennis, heated community pool, fitness center, separate men’s and women’s saunas, library, nature walks, dog park, Softball field, additional gated fenced in parking if you have a big RV or Trailer at an exceptional low cost to residents. There is on-site dining, and there is also a pro-shop which is part of the 18-hole golf course, and an active calendar of clubs and social events. Ideally located near shopping, entertainment, top medical facilities, and just minutes from The Villages, this home truly delivers the perfect blend of convenience, comfort, and community. Don’t miss this extraordinary opportunity—schedule your private or virtual tour today and experience the lifestyle waiting for you at Spruce Creek South.
Estimated monthly payment
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 history72 days on market
- Status: ActiveJan 13, 2026
- Listed$249,900Jan 13, 2026
- Price reduced$244,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 72
- Cumulative DOM
- 252
- Subdivision
- Spruce Creek South
- County
- Marion
- Year built
- 1991
- Living area
- 1,066 sq ft
- Price/sq ft
- $230
- Building area
- 2,014 sq ft (Public Records)
- Lot size
- 13,068 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- X (12083C0905D)
- Garage
- 2 spaces
- Annual taxes
- $2,807 (2025)
- Parcel #
- 6005-006-014
- Zoning
- R1
- MLS #
- G5106551
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Tile
- Appliances
- Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), L Dining, Thermostat, Walk-In Closet(s)
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- Southeast
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $180 / Monthly
- Monthly HOA
- $180/mo
- Total monthly fees
- $180/mo
- Total annual fees
- $2,160
- HOA name
- TRACY BROWN
- CDD
- No
- Homestead exemption
- Yes
- 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
- FOLLOW THE COVENANTS THIS IS A DEED RESTRICTED COMMUNITY, THE OWNER IS RESPONSIBLE
- Approval process
- CALL COMMUNITY MANAGER WITH ANY QUESTIONS OR CONCERNS.
Exterior & Construction
- Exterior features
- Rain Gutters
- Construction materials
- Vinyl Siding, Frame
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- Cable Available, Electricity Available, Electricity Connected, Fire Hydrant
Community
- Pets allowed
- Cats OK, Dogs OK
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 14x12 |
| Dining Room | First | 11x10 |
| Kitchen | First | 12x9 |
| Primary Bedroom | First | 14x12 |
| Bedroom 2 | First | 13x11 |
| Florida Room | First | 25x10 |
| Bathroom 1 | First | 12x6 |
| Bathroom 2 | First | 10x6 |
Listing Details
- Listing date
- 2026-01-07
- On market date
- 2026-01-13
- Original list price
- $249,900
- Occupant type
- Owner
- MLS area
- 34491 - Summerfield
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-01-13
- Tax legal description
- SEC 35 TWP 17 RGE 23 PLAT BOOK 002 PAGE 012 SPRUCE CREEK SOUTH V BLK F LOT 14
Flood risk
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 RE/MAX PREMIER OFFICE IN THE VILLAGES (LADY LAKE OFFICE) 13940 US-441 building 800, The Villages, FL 32159 Head toward Sumter County Rd 109 20 ft Turn right toward Sumter County Rd 109 0.1 mi Turn left onto Sumter County Rd 109 299 ft Turn left onto U.S. 27/441 N 0.8 mi Turn left onto SE 176th St 0.2 mi Turn left onto SE 107th Ct 0.2 mi Turn right at the 1st cross street onto SE 178th St Destination will be on the left
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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 March 26, 2026 at 6:15 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.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA