13944 SE 96TH CIRCLE, SUMMERFIELD, FL, 34491
Active392 days on marketListed Jul 7, 2025MLS #G5099176
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 3:00 PM
About this home
13944 SE 96TH CIRCLE
Luxury Living on a Premium Lot - Discover the perfect blend of comfort, style, and resort-style living in this beautifully maintained 3-bedroom, 2-bath Johnstown model located on a premium private lot within the highly sought-after gated 55+ community of Spruce Creek Golf & Country Club. Designed for both relaxation and entertaining, this home features an inviting open layout with pocket sliding doors leading to a serene oversized lanai — creating the ideal indoor-outdoor Florida lifestyle buyers are searching for. Meticulously cared for and thoughtfully upgraded, this home offers peace of mind with a newer roof and exterior paint (2021), state-of-the-art HVAC system (2021), brand-new attic plumbing (2025), upgraded appliances, decorative front door inserts, rain gutters, plantation shutters, and stylish kitchen and bathroom cabinetry updates. Newer carpeting in the bedrooms and den adds warmth and comfort, while the spacious kitchen offers functionality and flexibility with a gas stove hookup available for culinary enthusiasts. Beyond the home itself, Spruce Creek Golf & Country Club offers an unmatched active-adult lifestyle with over 70 clubs, multiple pools, golf, fitness center, pickleball, tennis, dining, social activities, and golf cart-friendly living all within a beautifully maintained gated community. Perfectly positioned just minutes from The Villages, shopping, dining, and entertainment — and conveniently located approximately 30 miles from Florida’s Gulf Coast and 60 miles from Orlando attractions — this home offers the ideal combination of privacy, convenience, and vibrant community living. Whether you’re looking for a full-time residence or seasonal retreat, this exceptional property delivers the Florida lifestyle you’ve been dreaming about.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,120
Sqft
0.32 ac
Lot size
3
Garage
2004
Year built
One
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,297 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,297/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+10.1%
$/sqft vs Summerfield actives
$198 vs $189
Days on market
392 vs 51 typical
Where $198/sqft sits among the 353 Summerfield actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Summerfield
Get to know Summerfield. See the full Summerfield guide →
SUMMERFIELD 34491 — neighborhood snapshot
Population
32,369
Median age
54.4
Median income
$65,900
Median home value
$253,100
Avg household
2.3
Households w/ children
2,632
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Summerfield market
$279K → $256K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
171 of 353
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 13944 SE 96TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$238,000
8739 SE 140TH PLACE ROAD · same community
3 bd · 2 ba · 2,046 sqft · $116/sqft · 111 DOM
Sold · Mar ’26$182,000
11060 SW 63RD TERRACE · same community
3 bd · 2.5 ba · 1,834 sqft · $99/sqft · 131 DOM
Sold · Oct ’25$325,000
13860 SE 97TH AVENUE · same community
2 bd · 2 ba · 1,654 sqft · $196/sqft · 20 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13944 SE 96TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13944 SE 96TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
13944 SE 96TH CIRCLE FAQs
What would the monthly payment be for 13944 SE 96TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,297/mo — principal and interest, the actual property-tax bill, the $211/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 13944 SE 96TH CIRCLE?+
The association fee works out to $211 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13944 SE 96TH CIRCLE?+
The most recent tax bill on record (2024) was $3,221. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 13944 SE 96TH CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Summerfield?+
At $419,900, this home is listed about 45% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 13944 SE 96TH CIRCLE?+
Lake Weir Middle School (middle), Harbour View Elementary School (elementary), Lake Weir High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$419,900 runs 53% above the SUMMERFIELD 34491 median — but at 2,120 sqft it's also 31% larger than the typical Summerfield listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
392 days on market against a Summerfield median of 51 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $448,900, now $419,900 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MORRIS REALTY AND INVESTMENTS · Kendra Lee Akers. MLS #G5099176.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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