17814 SE 107TH TERRACE, SUMMERFIELD, FL, 34491
Active80 days on marketListed May 15, 2026MLS #G5112062
About this home
17814 SE 107TH TERRACE
Welcome to this beautifully updated Holly model home nestled in the highly sought-after Spruce Creek South, a gated, guard-secured 55+ golf community just minutes from The Villages. Situated on an oversized homesite, this move-in ready 3-bedroom, 2-bath residence offers approximately 1,450 square feet of thoughtfully upgraded living space where pride of ownership shines in every detail. From the moment you arrive, the decorative painted driveway, covered front porch, and fresh curb appeal set the tone. Step inside to a bright, open floor plan with generous living areas, abundant natural light, and a welcoming atmosphere throughout. The kitchen delivers ample cabinetry, workspace, and all appliances included. The home has been meticulously maintained and updated: NEW ROOF (May 2024), NEW AC with NEW THERMOSTAT and 1-year maintenance (June 2025), NEW WINDOWS (April 2025), bathroom upgrades (September 2024), updated flooring (July 2024), new front door (June 2025) and screen door (May 2026), new siding (October 2023), new driveway and garage door (June 2023), and blown insulation (October 2023). The big-ticket items are done, just move in and enjoy. The large screened-in lanai is the perfect retreat for morning coffee or year-round outdoor Florida living. The water softener and the home's connection to The Villages Hospital power grid ensure peace of mind and power at all times. Beyond the home, Spruce Creek South offers an unmatched active lifestyle. The impressive 25,000 SF clubhouse features a state-of-the-art fitness center, hobby and game rooms, a library, and a grand ballroom. The beautifully maintained 18-hole golf course winds throughout the community with scenic views, and the golf club includes a pro shop and The Links restaurant serving breakfast, lunch, and dinner. Residents enjoy pickleball, bocce, volleyball, basketball, tennis, a heated pool and spa, walking and biking trails, lakes, parks, and 30+ clubs including the popular traveling softball and horseshoe teams. Golf-cart access leads directly to shopping, dining, medical offices, Walmart, Aldi, and The Villages, where you can enjoy free concerts 365 days a year. Conveniently close to Silver Springs State Park, the World Equestrian Center, Lake Weir recreation, and major healthcare facilities in Ocala. This is a deed-restricted community with a required monthly amenities fee. No CDD and no bond. Homes this updated, this well-maintained, in this community do not last. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.18 ac
Lot size
2
Garage
1993
Year built
One
Levels
$172
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.
$2,311 /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
$2,311/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
−2.7%
$/sqft vs SPRUCE CREEK SOUTH
$172 vs $171
Days on market
80 vs 51 typical
Where $172/sqft sits among the 14 homes for sale in SPRUCE CREEK SOUTH
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
8 of 14
SPRUCE CREEK SOUTH have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 17814 SE 107TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$245,000
17834 SE 105TH AVENUE · same community
3 bd · 2 ba · 1,450 sqft · $169/sqft · 175 DOM
Sold · Apr ’26$236,500
17937 SE 107TH TERRACE · same community
3 bd · 2 ba · 1,450 sqft · $163/sqft · 363 DOM
Sold · Nov ’25$215,000
17913 SE 95TH COURT · same community
3 bd · 2 ba · 1,450 sqft · $148/sqft · 87 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 17814 SE 107TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17814 SE 107TH TERRACE — 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
17814 SE 107TH TERRACE FAQs
What would the monthly payment be for 17814 SE 107TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,311/mo — principal and interest, the actual property-tax bill, the $180/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 17814 SE 107TH TERRACE?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17814 SE 107TH TERRACE?+
The most recent tax bill on record (2025) was $4,673. 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 17814 SE 107TH TERRACE?+
The listing reports pets: Breed Restrictions, Number Limit, 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 $249,900, this home is listed about 14% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 17814 SE 107TH TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Edalys Ramos. MLS #G5112062.
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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