$222,900
10689 174th Loop
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 Central Florida living in the heart of Summerfield! Located in the desirable 55+ community of Spruce Creek South, this “cute as a button” Pecan model offers comfort, privacy, and access to an exceptional lifestyle. This house has been well maintained and ready for new owner to enjoy: 2020 H.V.A.C. / 2020 H.W.H. / 2014 ROOF :) With no rear neighbors, the generous backyard backs up to a nature walk, bike trail, and golf-cart path—perfect for peaceful outdoor enjoyment. You can enjoy sitting in your Florida room and relaxing while enjoying the peaceful atmosphere and nature... Step inside to an inviting living/dining combination filled with natural light. The kitchen features quartz countertops, a newer tile backsplash, and a solar tube that enhances daytime brightness. Through the sliding glass doors, you’ll find a spacious Florida room/lanai with two ceiling fans and a portable A/C unit for added comfort. The open patio with roof cover includes a privacy shade and ceiling fan—ideal for relaxing outdoors. The primary bedroom offers a large walk-in closet and elegant chandelier lighting. The en-suite bath includes abundant cabinetry and a walk-in shower. For guest convenience, the second bedroom is located across the hall from the guest bath. Flooring throughout consists of laminate and ceramic tile—no carpet. Additional highlights: Covered front porch to have your morning brew or evening tea. Covered rear patio with ceiling fan and utility sink 2-car attached garage with laundry area Community Features: Spruce Creek South is a gated community with 24-hour guard service and golf-cart access across Hwy 441 to banks, doctors, shopping, restaurants, Walmart, and more. The residential gate leads to a nearby plaza with drugstores, urgent care, restaurants, spa services, and a newer Planet Fitness. Residents enjoy: 18-hole golf course and The Links Restaurant Heated pool & hot tub Separate men’s and women’s saunas with showers Fitness center Billiards room, library, and card rooms Event center with clubs, dances, live music, Zumba, and exercise classes Pickleball, tennis, and bocce ball courts Men’s and women’s softball teams with a professionally maintained field Scenic wooded areas for golf-cart rides and dog walking Just minutes from The Villages town squares, you can also enjoy nightly live entertainment (weather permitting). This is a deed-restricted community (not an HOA) with a required monthly maintenance/amenities fee. No CDD and no bond. Schedule your private showing today or request a virtual tour and start living the Florida lifestyle
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 history81 days on market
- Status: ActiveMar 4, 2026
- Listed$222,900Mar 3, 2026
- Price increased$222,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 81
- Subdivision
- Spruce Creek South
- County
- Marion
- Year built
- 1994
- Living area
- 1,008 sq ft
- Price/sq ft
- $221
- Building area
- 2,198 sq ft (Public Records)
- Lot size
- 10,019 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12083C0905D)
- Garage
- 2 spaces
- Annual taxes
- $1,772 (2025)
- Parcel #
- 6013-002-008
- Zoning
- PUD
- MLS #
- G5109057
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), L Dining, Living Room/Dining Room Combo, Solid Surface Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- Southeast
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air, Other
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
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- OWNER RESPONSIBLE TO ADHERE TO THE COVENANTS , THIS IS A DEED RESTRICTED COMMUNITY.
Exterior & Construction
- Exterior features
- Private Mailbox, Private Yard
- Construction materials
- Vinyl Siding, Frame
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Electricity Connected, Private, Sewer Available, Sewer Connected, Water Available, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
- 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 |
|---|---|---|
| Living Room | First | 17x14 |
| Dining Room | First | 10x9 |
| Kitchen | First | 10x8 |
| Primary Bedroom | First | 13x11 |
| Primary Bathroom | First | 9x5 |
| Bedroom 2 | First | |
| Bathroom 2 | First | 9x5 |
| Florida Room | First | 24x12 |
Listing Details
- Listing date
- 2026-03-02
- On market date
- 2026-03-03
- Original list price
- $222,900
- Occupant type
- Owner
- MLS area
- 34491 - Summerfield
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-03-04
- Tax legal description
- SEC 35 TWP 17 RGE 23 PLAT BOOK 003 PAGE 012 SPRUCE CREEK SOUTH XIII BLK B LOT 8
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
LEAVING THE RE/MAX OFFICE IN LADY LAKE, EXIT THE PLAZA TOWARDS COUNTY ROAD 109 MAKING A LEFT. AT THE LIGHT MAKE A LEFT GOING NORTH DOWN 441 FOR A COUPLE OF MILES. KEEP GOING UNTIL YOU GET TO THE MAIN ENTRANCE, NOT THE PLAZA ENTRANCE OF SPRUCE CREEK SOUTH ON 176 STREET. MAKE A LEFT ON 107TH COURT MAKE A LEFT ON 174TH LOOP YOUR DESTINATION WILL BE ON THE RIGHT.
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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 May 23, 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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