17978 104th Terrace, FL
Stellar MLS
1 / 1

$221,000

17978 104th TerraceSummerfield, FL 34491

Listing updated: November 9, 2026 at 2:56 PM ET

Active
Stellar MLSListing courtesy of Re/Max Premier Realty Lady Lk · Gerrie Cosme Matias · MLS #G5117949 · Active · 352-753-2029
2
Beds
2
Baths
1,356
Sq Ft
0.28
Acres
1993
Built
◆55+ community◆$163/sqft◆360° tour
Single Family Residence

Property type

1993

Year built

12,197 sqft

Lot size

$163

Price / sq ft

$180/mo

HOA dues

51

Days on market

2

Garage spaces

X

Flood zone

About this home

PRICE IMPROVEMENT & USED GOLFCART IS INCLUDED! WELCOME HOME TO THIS BEAUTIFULLY MAINTAINED PALM MODEL WITH GOLF COURSE VIEWS! Enjoy beautiful golf course views from the spacious Florida Room, which is conveniently located under the home’s regular roofline, providing a comfortable space to relax and enjoy the Florida lifestyle. This home is being offered TURN-KEY w/ FURNITURE, Golfcart Can Convey (Be included) with an accepted offer. The desirable split-bedroom floor plan provides privacy for both owners and guests, while vaulted ceilings in the main living areas create an open, spacious feel. Newer laminate plank flooring welcomes you as you enter and continues throughout the main living areas. The spacious kitchen offers plenty of cabinetry and generous counter space, making it a wonderful space for the chef of the home. Additional features include lighting above the cabinetry and a skylight that fills the kitchen with beautiful natural light and creates a bright, inviting atmosphere. IMPORTANT UPDATES: Roof: 2022 HVAC: 2016 Septic pumped: 9/2026 Located in the desirable 55+ gated community of Spruce Creek South, residents enjoy a wide variety of amenities and activities, along with a guarded main entrance and security. Community amenities include an 18-hole golf course, pro shop, restaurant, community pool, fitness center, jacuzzi, men's and women's spas, tennis courts, pickleball, shuffleboard, softball field, dog park, and scenic nature, walking, and bike paths. Additional gated parking is available for an additional fee on a semi-annual or annual basis. The community center features a live performance stage with events throughout the year, a dance floor, dining area, and community kitchen. There are also dedicated recreation spaces for the library, billiards, crafts, cards, dominoes, mahjong, and more. This is a golf-cart-friendly community, adding another fun and convenient way to get around. Residents can even participate in the community's annual golf cart parades for the Fourth of July and Christmas, decorating their carts and joining in the festivities or simply enjoying the fun as a spectator. A LOCATION THAT REALLY STANDS OUT One of the unique advantages of Spruce Creek South is its convenient access to surrounding amenities. Residents can legally travel by golf cart through the community's main entrance, cross U.S. 441, and access numerous shopping, dining, medical, and everyday conveniences. The community is conveniently located just minutes from shopping, restaurants, banks, gas stations, hospitals, urgent care, dentists, specialty medical clinics, barber shops, hair and nail salons, and more. Residents can also use the residential back gate to access a nearby plaza offering additional conveniences, including restaurants, drugstores, dental and specialty clinics, urgent care, an ice cream shop, barber and beauty services, nail salons, Planet Fitness, and more. A Super Walmart is also conveniently located across U.S. 441, approximately five minutes away. And when you're ready for even more shopping, dining, entertainment, and recreation, The Villages is just approximately two miles away. This Palm Model offers the combination of golf course views, a turnkey opportunity, desirable updates, an active 55+ community, and exceptional everyday convenience. Schedule your private tour today and come experience everything this wonderful Spruce Creek South home and community have to offer!

Estimated monthly payment

Principal & interest$1,117
Property taxes$305
Home insurance (est.)$101
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 history51 days on market

  1. Status: Active
    Sep 19, 2026
  2. Listed$237,900
    Sep 19, 2026
  3. Price reduced$221,000

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
51
Subdivision
Spruce Creek South
County
Marion
Year built
1993
Living area
1,356 sq ft
Price/sq ft
$163
Building area
2,136 sq ft (Public Records)
Lot size
12,197 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X
Garage
2 spaces
Annual taxes
$3,661 (2025)
Parcel #
6006-005-004
Zoning
PUD
MLS #
G5117949

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Carpet, Laminate
Appliances
Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
Interior features
Ceiling Fans(s), L Dining, Open Floorplan, Primary Bedroom Main Floor, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry
In Garage
Stories / Levels
One
Direction faces
East

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Driveway

HOA & Financial

HOA fee
$180 / Monthly
Monthly HOA
$180/mo
Total monthly fees
$180/mo
Total annual fees
$2,160
HOA name
DIANE SUCHY
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
FOLLOW THE COVENANTS AND DEED RESTRICTIONS
Approval process
CONTACT MANAGER

Exterior & Construction

Construction materials
Vinyl Siding, Frame
Roof
Shingle
Foundation
Slab
Road surface
Asphalt, Paved

Utilities

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

Community

Pets allowed
Cats OK, Dogs OK
Senior community
Yes

Schools

ElementaryBelleview Elementary SchoolGreatSchools ↗
MiddleBelleview Middle SchoolGreatSchools ↗
High SchoolBelleview High SchoolGreatSchools ↗

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

RoomLevelDimensions
Living RoomFirst26x14
Dining RoomFirst12x11
KitchenFirst15x11
Primary BedroomFirst16x12
Bedroom 2First14x12
Florida RoomFirst24x10

Listing Details

Listing date
2026-09-14
On market date
2026-09-19
Original list price
$237,900
Occupant type
Owner
MLS area
34491 - Summerfield
Listing AOR
Lake and Sumter
Status changed
2026-09-19
Tax legal description
SEC 35 TWP 17 RGE 23 PLAT BOOK 002 PAGE 049 SPRUCE CREEK SOUTH VI BLK E LOT 4

Flood risk

Minimal riskFEMA Zone X

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 RE/MAX PREMIER OFFICE IN LADY LAKE / VILLAGES FL. 32159 Exit the parking lot toward Sumter County Rd 109 20 ft Turn left onto Sumter County Rd 109 299 ft Turn left onto U.S. 27/441 N 2 min (0.8 mi) Continue on SE 176th St. Take SE 107th Ct and SE 178th St to SE 104th Terrace 5 min (1.0 mi) Turn left onto SE 176th street main gate entrance, must stay on the left guest/ visitor lane. 0.2 mi Turn left onto SE 107th Ct 0.2 mi Turn right onto SE 178th St 0.3 mi Turn left onto SE 105th Ct 240 ft Turn left onto SE 104th Terrace 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 November 9, 2026 at 2:56 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.

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