$209,900
17945 104th Terrace
Summerfield, FL 34491
Listing updated: April 17, 2026 at 8:33 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage space
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
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
- Status: ActiveFeb 26, 2026
- Listed$222,900Feb 25, 2026
- 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
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
| Room | Level | Dimensions |
|---|---|---|
| Foyer | First | 5x5 |
| Living Room | First | 11x10 |
| Kitchen | First | 10x9 |
| Dining Room | First | 10x11 |
| Primary Bedroom | First | 12x13 |
| Primary Bathroom | First | 8x6 |
| Bedroom 2 | First | 11x10 |
| Bathroom 2 | First | 8x8 |
| Florida Room | First | 9x15 |
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-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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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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