10190 178th Street, FL
Stellar MLS
1 / 1

$229,999

10190 178th StreetSummerfield, FL 34491

Listing updated: November 2, 2026 at 12:49 PM ET

Active
Stellar MLSListing courtesy of Land To Sea Realty Llc · DeLisa Boling · MLS #OM732456 · Active · 772-999-4504
2
Beds
2
Baths
1,008
Sq Ft
0.25
Acres
1991
Built
◆55+ community◆$228/sqft◆360° tour
Single Family Residence

Property type

1991

Year built

10,890 sqft

Lot size

$228

Price / sq ft

$180/mo

HOA dues

45

Days on market

2

Garage spaces

X

Flood zone

About this home

Located in Spruce Creek South, this Pecan model home is a gem! Upon arrival, you are greeted by a lovely exterior and a welcoming front porch. Offering 2 bedrooms and 2 full bathrooms, the atmosphere is inviting and tranquil with Luxury Vinyl Tile (LVT) flooring throughout and plenty of natural light. Enjoy the recently refreshed kitchen featuring a new dishwasher, a new over-the-range microwave, and updated countertops. The spacious primary bedroom features a walk-in closet and an en-suite bath. The enclosed lanai with tile flooring is the perfect place to relax, entertain, and extend your indoor living space. The fenced-in backyard is a secure retreat with a vinyl-coated chain-link fence and an extended outdoor patio slab perfect for grilling. A new rear storm door, recently added retractable sun shades on the front porch, outdoor motion-sensor lights and a brand new irrigation control box add to the overall appeal. The 2-car garage is equipped with a convenient sliding screen door, offering a well-ventilated workspace or parking. This fantastic home has been lovingly maintained. Recent improvements include a 2025 roof, a 2026 water heater, and a brand-new electrical panel that meets the new regulations that went into effect in September 2026. The septic tank was also pumped this year, and new smoke alarms have been installed throughout. All of these notable features offer convenience and peace of mind. Spruce Creek South is Summerfield’s highly desirable, active 55+ community, conveniently located near The Villages. Community amenities include a community center, a heated pool with a separate jacuzzi, a fitness center, pickleball courts, a billiards room, a library, and card rooms. The opportunity to socialize is endless, with numerous classes, activities, groups, and seasonal community events with live entertainment. If you are a golf enthusiast, be sure to check out the gentle rolling greens at The Links at Spruce Creek South. Adding additional convenience to your active lifestyle, shopping, dining, and medical facilities are just a golf cart ride away. For those looking to move right in, furnishings are negotiable. There’s so much to love about this home and community! We invite you to schedule a showing today.

Estimated monthly payment

Principal & interest$1,163
Property taxes$182
Home insurance (est.)$105
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 history45 days on market

  1. Status: Active
    Sep 18, 2026
  2. Listed$229,999
    Sep 18, 2026

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
45
Subdivision
Spruce Crk South 04
County
Marion
Year built
1991
Living area
1,008 sq ft
Price/sq ft
$228
Building area
1,799 sq ft (Public Records)
Lot size
10,890 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X (12083C0905D)
Garage
2 spaces
Annual taxes
$2,181 (2025)
Parcel #
6004-002-005
Zoning
R1
MLS #
OM732456

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Laminate, Tile, Vinyl
Appliances
Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Primary Bedroom Main Floor, Walk-In Closet(s)
Laundry
In Garage
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Central, Electric, Heat Pump
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Driveway, Garage Door Opener

HOA & Financial

HOA fee
$180 / Monthly
Monthly HOA
$180/mo
Total monthly fees
$180/mo
Total annual fees
$2,160
HOA name
Jeanette Morgan
CDD
No
Homestead exemption
Yes
Min lease term
3 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
See HOA
Approval process
See HOA

Exterior & Construction

Exterior features
Private Mailbox, Rain Gutters
Construction materials
Vinyl Siding, Frame
Roof
Shingle
Foundation
Slab
Road surface
Paved

Utilities

Sewer
Septic Tank
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Electricity Connected, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Room Details

RoomLevelDimensions
Primary BedroomFirst11.4x13.1
Dining RoomFirst10.9x9
Bedroom 2First10x11
Living RoomFirst17x14
Balcony/Porch/LanaiFirst15x10
KitchenFirst9x11

Listing Details

Listing date
2026-09-16
On market date
2026-09-18
Original list price
$229,999
Occupant type
Owner
MLS area
34491 - Summerfield
Listing AOR
Ocala - Marion
Status changed
2026-09-18
Tax legal description
SEC 35 TWP 17 RGE 23 PLAT BOOK 001 PAGE 179 SPRUCE CREEK SOUTH IV BLK B LOT 5

Flood risk

Minimal riskFEMA Zone XPanel 12083C0905D

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

Main entrance of SPRUCE CREEK SOUTH off US 27/HWY 441 onto SE 176th Street, LEFT SE 102nd Terrace, RIGHT SE 178th Street on LEFT.

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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 November 2, 2026 at 12:49 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA