13322 SE 86TH CIRCLE, SUMMERFIELD, FL, 34491
Active38 days on marketListed Jun 15, 2026MLS #G5113560
About this home
13322 SE 86TH CIRCLE
Discover a truly exceptional private setting with a serene, park-like ambiance—where your Florida getaway begins at home. This beautifully maintained concrete block and stucco Alydar model (2 bedrooms, 2 baths, 2-car garage) is ideally situated in the desirable 55+ Del Webb Spruce Creek Golf & Country Club community. From the moment you arrive, the home makes an elegant impression with outstanding curb appeal, thoughtfully refreshed landscaping, Hacienda-style accent walls, rock planting beds, and a paver driveway and walkway. Inside, the sought-after open floor plan is designed for effortless everyday living and relaxed entertaining, with the kitchen and family room flowing seamlessly together. Triple sliders open to the enclosed lanai, where floor-to-ceiling acrylic windows with roller shades frame views of the 15’ x 12’ paver patio—an inviting retreat for quiet mornings, afternoon relaxation, or peaceful evenings outdoors. The well-appointed eat-in kitchen offers a breakfast bar, closet pantry, and generous storage, while the versatile family room enhances the open, airy feel this model is known for. The primary suite overlooks the private backyard, bringing a calming natural backdrop into the space. Its en-suite bath features dual sinks, a walk-in shower, a water closet, and an adjacent clothes closet. The second bedroom, also features laminate flooring, and is conveniently positioned near the guest bath. Additional highlights include an interior laundry room with access to the 2-car garage. Notable upgrades include shingles (9/2021), HVAC and water heater (2/2023), re-piping (2023), storm door (2023), landscaping (2023), and garage door opener (2024). This home has been meticulously maintained and is looking for someone new to love it. Make it your home today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,346
Sqft
0.14 ac
Lot size
2
Garage
2005
Year built
One
Levels
$215
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.
$2,361 /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
$2,361/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
+13.3%
$/sqft vs SPRUCE CREEK GC
$215 vs $188
Days on market
38 vs 50 typical
Where $215/sqft sits among the 51 homes for sale in SPRUCE CREEK GC
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
$285K → $258K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
26 of 51
SPRUCE CREEK GC have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 13322 SE 86TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$235,000
8601 SE 133RD STREET · same community
2 bd · 2 ba · 1,346 sqft · $175/sqft · 2 DOM
Sold · Jul ’25$260,000
8633 SE 133RD LANE · same community
2 bd · 2 ba · 1,346 sqft · $193/sqft · 156 DOM
Sold · Jan ’26$270,000
12762 SE 92ND TERRACE · same community
2 bd · 2 ba · 1,274 sqft · $212/sqft · 26 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 13322 SE 86TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13322 SE 86TH 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
13322 SE 86TH CIRCLE FAQs
What would the monthly payment be for 13322 SE 86TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,361/mo — principal and interest, the actual property-tax bill, the $214/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 13322 SE 86TH CIRCLE?+
The association fee works out to $214 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13322 SE 86TH CIRCLE?+
The most recent tax bill on record (2025) was $1,840. 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 13322 SE 86TH CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $289,750, this home is priced right at the Summerfield median.
Which schools are assigned to 13322 SE 86TH 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Diane Siefkas. MLS #G5113560.
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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