17945 104th Terrace, FL
Stellar MLS

$209,900

17945 104th Terrace

Summerfield, FL 34491

Listing updated: April 17, 2026 at 8:33 PM ET

Active
2
Beds
2
Baths
1,134
Sq Ft
0.26
Acres
1992
Built
55+ community$185/sqft360° tour
Single Family Residence

Property type

1992

Year built

11,326 sqft

Lot size

$185

Price / sq ft

$180/mo

HOA dues

51

Days on market

1

Garage space

X

Flood zone

About this home

Just reduced! Welcome to resort-style living in Summerfield! This beautifully maintained Cypress model is in the sought-after 24 hour guarded, gated 55+ community of Spruce Creek South and offers comfort, convenience, and an active lifestyle. This inviting residence features 2 bedrooms, 2 bathrooms, and approximately 1134 square feet of thoughtfully designed living space. The open floor plan provides a bright and airy feel, perfect for both relaxing and entertaining. The primary bedroom offers a large walk in closet as well as a spacious bathroom with tile in the walk in shower that also has a glass door. The guest bath has a spacious layout with a tub and tiled shower combo with lots of storage. The guest bedroom has a large closet and lots of room for visitors. The kitchen offers ample cabinetry, generous counter space, and a cozy eat in dining area. The microwave and refrigerator are both new! Enjoy peaceful mornings and relaxing evenings in the Florida room, overlooking the landscaped yard. The back yard boasts a mature Loquat tree that produces fruit. The front yard has a 30 ft flag pole! The Florida room has beautiful tile flooring and windows with blinds as well as a wall unit for additional comfort on those sunny Florida days. Additional highlights of the home include vinyl floors in the dining room, hall and bedrooms with laminate in the bathrooms, carpet in the living room and tile in the kitchen. There is a large golf cart garage on the back of the home with a garage door that opens to the back yard. The large garage opening to the front of the home offers a garage door opener with an outside keypad, built in kayak racks and a side collapsible screen door. There is a screen door that leads from the kitchen into the garage as well. The covered porch in the back of the home is a great oasis! It has a ceiling fan and does not get direct sunlight, so it stays cool even on those hot Florida days. The front door boasts a beautiful glass storm door as well as a skylight in the foyer. The home also has a TV antenna that gets many local tv stations without paying for cable. The home also has an inside switch that alerts neighbors and the community service patrols to any emergencies in the home. Spruce Creek South residents enjoy: 18-hole golf course with restaurant and bar in the clubhouse, nature walk with several miles of trails, 25,000 sq ft Clubhouse and fitness center with hobby/game rooms, library, billiards, craft room, social spaces and many event rooms. There is a community swimming pool and spa, sauna in the locker room of the fitness center, tennis and pickleball courts, softball and many other active social clubs. Conveniently located near shopping, dining, medical facilities, and The Villages. Best of all, Spruce Creek doesn't have bonds! Experience easy Florida living in a vibrant, welcoming community. Schedule your private showing today!

Estimated monthly payment

Principal & interest$1,061
Property taxes$220
Home insurance (est.)$96
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 history51 days on market

  1. Status: Active
    Feb 26, 2026
  2. Listed$222,900
    Feb 25, 2026
  3. Price reduced$209,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
51
Subdivision
Spruce Creek South Vi
County
Marion
Year built
1992
Living area
1,134 sq ft
Price/sq ft
$185
Lot size
11,326 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X (12083C09C5D)
Garage
1 spaces
Annual taxes
$2,638 (2025)
Parcel #
6006001013
Zoning
RESI
MLS #
G5108782

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Carpet, Laminate, Luxury Vinyl, Tile
Appliances
Disposal, Dryer, Ice Maker, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
Laundry
In Garage
Stories / Levels
One
Direction faces
South

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes
Parking features
Driveway, Garage Door Opener, Golf Cart Garage, Golf Cart Parking

HOA & Financial

HOA fee
$180 / Monthly
Monthly HOA
$180/mo
Total monthly fees
$180/mo
Total annual fees
$2,160
HOA name
Spruce Creek South- Tracy
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
See Deed Restrictions

Exterior & Construction

Exterior features
Awning(s), Lighting, 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, Phone Available, Public, Sewer Connected, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Schools

ElementaryStanton-Weirsdale Elem. SchoolGreatSchools ↗
MiddleBelleview Middle SchoolGreatSchools ↗
High SchoolLake Weir High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
FoyerFirst5x5
Living RoomFirst11x10
KitchenFirst10x9
Dining RoomFirst10x11
Primary BedroomFirst12x13
Primary BathroomFirst8x6
Bedroom 2First11x10
Bathroom 2First8x8
Florida RoomFirst9x15

Listing Details

Listing date
2026-02-20
On market date
2026-02-25
Original list price
$222,900
Occupant type
Vacant
MLS area
34491 - Summerfield
Listing AOR
Orlando Regional
Status changed
2026-02-26
Tax legal description
Lot 13, Block A, SPRUCE CREEK SOUTH VI, according to the map or plat thereof, as recorded in Plat Book 2, Page(s) 49 through 50, inclusive, of the Public Records of

Flood risk

Minimal riskFEMA Zone XPanel 12083C09C5D

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 441 turn into Spruce Creek South. Entry must be made through the front entrance

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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 April 17, 2026 at 8:33 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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