$275,000
9845 138th 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
**Photos coming soon++ Welcome to easy living in the sought-after Spruce Creek Golf & Country Club in Summerfield. This charming 2-bedroom, 2-bath home offers comfort, convenience, and the relaxed lifestyle this premier 55+ community is known for. Inside, you’ll find a bright and inviting layout with all new appliances and plenty of space to relax or entertain. Major updates include a brand-new roof, giving peace of mind for years to come. The home can also be sold furnished, making it a perfect turnkey option for seasonal residents, full-time living, or an easy investment opportunity. Located in one of Central Florida’s most desirable active adult communities, residents of Spruce Creek enjoy championship golf, resort-style amenities, clubs, dining, pools, fitness centers, and endless social activities. If you’re looking for a low-maintenance home with great updates in a vibrant community, this one is ready to welcome you home. Schedule your private showing today and start enjoying the Spruce Creek lifestyle.
Local Insight
At $168/sqft in a 55+ golf community, this is solid value compared to broader Marion County pricing, but you're paying $214 monthly in HOA fees on top of mortgage, taxes, and insurance—so factor that into your real carrying costs. The 1,638 sqft footprint is efficient for a couple, though the two-bedroom layout means limited flexibility if you need guest space or a home office. Being in flood zone X is a genuine plus for insurance costs, and Spruce Creek's amenities can add lifestyle value, but verify what those fees actually cover and whether the community has any special assessments planned.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history40 days on market
- Status: ActiveMar 7, 2026
- Listed$279,000Mar 7, 2026
- Price reduced$275,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 40
- Subdivision
- Spruce Crk Golf & Cc Reston
- County
- Marion
- Year built
- 1999
- Living area
- 1,638 sq ft
- Price/sq ft
- $168
- Lot size
- 8,276 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12083C0765D)
- Garage
- 2 spaces
- Annual taxes
- $3,883 (2025)
- Parcel #
- 6123-050-000
- Zoning
- PUD
- MLS #
- GC538263
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl
- Appliances
- Dryer, Refrigerator, Washer
- Interior features
- Ceiling Fans(s)
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $214 / Monthly
- Monthly HOA
- $214/mo
- Total monthly fees
- $214/mo
- Total annual fees
- $2,568
- HOA name
- Nicole Arias
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Verify all lease restrictions with management
- Approval process
- Verify approval process with management
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available
Community
- Pets allowed
- Cats OK, Dogs OK
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 13x15 |
| Living Room | First | 12x18 |
| Kitchen | First | 6x10 |
Listing Details
- Listing date
- 2026-03-05
- On market date
- 2026-03-07
- Original list price
- $279,000
- Occupant type
- Owner
- MLS area
- 34491 - Summerfield
- Listing AOR
- Gainesville-Alachua
- Status changed
- 2026-03-07
- Tax legal description
- SEC 10 TWP 17 RGE 23 PLAT BOOK 005 PAGE 001 SPRUCE CREEK GOLF AND COUNTRY CLUB-RESTON LOT 50
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
County road 484 to del webb blvd
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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 16, 2026 at 8:35 AM 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