10492 178th Street, FL
Stellar MLS

$244,900

10492 178th Street

Summerfield, FL 34491

Active
2
Beds
2
Baths
1,066
Sq Ft
0.3
Acres
1991
Built
55+ community$230/sqft360° tour
Single Family Residence

Property type

1991

Year built

13,068 sqft

Lot size

$230

Price / sq ft

$180/mo

HOA dues

72

Days on market

2

Garage spaces

X

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

Principal & interest$1,238
Property taxes$234
Home insurance (est.)$112
HOA dues$180

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

  1. Status: Active
    Jan 13, 2026
  2. Listed$249,900
    Jan 13, 2026
  3. 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

RoomLevelDimensions
Living RoomFirst14x12
Dining RoomFirst11x10
KitchenFirst12x9
Primary BedroomFirst14x12
Bedroom 2First13x11
Florida RoomFirst25x10
Bathroom 1First12x6
Bathroom 2First10x6

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 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 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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MLS GRID

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