$299,400
12643 97th Terrace Road
Summerfield, FL 34491
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Under contract-accepting backup offers. Exquisite Upgraded Citation Model – Luxury & Comfort Redefined Discover the pinnacle of active living in this stunning, upgraded Citation model home. Located in the exclusive Del Webb Spruce Creek Golf & Country Club, this residence blends modern luxury with thoughtful updates, offering a beautiful retreat that is truly move-in ready. Brand New Roof: A new roof will be installed prior to closing, offering total peace of mind for the new owner. A/C 2023 and Brand New Hot Water Heater The primary bedroom features newer laminate flooring and the primary bath has new high-end tiled shower, high vanity with double sinks and elegant granite countertops A built-in solar tube floods the space with soft, natural light. Every inch of this home has been refreshed with new interior paint in a crisp, neutral palette. Durable and stylish ceramic tile flows through the main living areas, while the private office features new laminate flooring. Gourmet Kitchen Boasts neutral cabinetry, new granite countertops, and newer stainless steel appliances. The dining area includes a separate serving station with matching granite countertops—perfect for hosting friends and family. Unbeatable Outdoor Oasis The transition from indoor to outdoor living is seamless and spectacular: An amazing enclosed lanai features its own dedicated heating and air conditioning unit, ensuring comfort in every season. Step out onto a beautiful brick paver patio equipped with a remote-controlled automatic awning. Built with smart technology, it automatically retracts if it detects high winds, protecting your investment while you relax. The second bathroom features a pristine enclosed tub/shower combo. The home is beautifully landscaped, creating an inviting first impression. Community boasts 36 holes of Championship golf, 3 pools (1 indoor) tennis, softball, pickleball, shuffleboard, walking trails and so many clubs for you to join and be active. Live the lifestyle you deserve in a home that has it all. Schedule your private tour today!
Local Insight
At $190 per square foot in a 55+ community, this is priced competitively for the market, but the small 0.17-acre lot and $214 monthly HOA are worth factoring into your total cost of ownership—that's nearly $2,600 annually on top of your mortgage and taxes. Spruce Creek is a well-established active adult community, so you're getting that lifestyle and amenities, but confirm what's actually included in that HOA since it can vary and there may be additional assessment risks in a community this age. The flood zone X designation is a genuine plus compared to most Florida properties, so you'll avoid flood insurance requirements if you're not in a mortgage-required situation.
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 history2 days on market
- Status: PendingApr 28, 2026
- Listed$299,400Apr 25, 2026
- Price increased$299,400
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Pending
- Days on market
- 2
- Subdivision
- Spruce Creek Gc
- County
- Marion
- Year built
- 2005
- Living area
- 1,575 sq ft
- Price/sq ft
- $190
- Building area
- 2,409 sq ft (Public Records)
- Lot size
- 7,405 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- x
- Garage
- 2 spaces
- Annual taxes
- $998 (2025)
- Parcel #
- 6114-057-000
- Zoning
- PUD
- MLS #
- OM722681
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Laminate
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, In Wall Pest System, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Electric
- 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
- 3 Months
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Awning(s), Lighting, Private Entrance, Private Mailbox, Rain Gutters, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Primary Bedroom | First | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-04-25
- On market date
- 2026-04-25
- Original list price
- $299,400
- Occupant type
- Vacant
- MLS area
- 34491 - Summerfield
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-04-28
- Tax legal description
- SEC 03 TWP 17 RGE 23 PLAT BOOK 008 PAGE 072 SPRUCE CREEK COUNTRY CLUB HAMPTON HILLS LOT 57
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
Go North on HWY 441 to front gated entrance, go thru security and stay on Del Webb Blvd to Right on SE 97TH Terrace Rd, Home on top of hill on left.
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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 June 3, 2026 at 8:12 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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