13766 SE 89TH AVENUE, SUMMERFIELD, FL, 34491
Active235 days on marketListed Dec 11, 2025MLS #OM714790
About this home
13766 SE 89TH AVENUE
Welcome to effortless Florida living in this beautifully designed home located in the premier gated and guarded Spruce Creek Golf and Country Club community—perfectly situated between The Villages and Ocala. Set on a desirable corner lot with a gracious circular driveway, this residence offers comfort, convenience, and an inviting, easy-living layout. Step inside to a warm and welcoming atmosphere for daily living and entertaining. The large kitchen, complete with a breakfast bar and adjoining family room, provides the ideal gathering space. A charming breakfast nook surrounded by glass windows lets you enjoy morning coffee or evening dessert. The enclosed lanai under air extends your living space year-round—perfect for relaxing, reading, or hosting friends. Retreat to the spacious primary suite, featuring his-and-hers separate vanities, a luxurious soaking tub, and a walk-in shower, as well as direct access to the expansive lanai. Two additional guest bedrooms and a second full bath are spacious and provide extra space, comfort and privacy for visiting family and friends. All of this is located in a vibrant country-club community offering a wealth of amenities, including a championship golf course, clubhouse, fitness facilities, social activities, and more—ideal for active people seeking fun, relaxation, and connection while living the true Florida lifestyle!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,025
Sqft
0.29 ac
Lot size
2
Garage
1998
Year built
One
Levels
$162
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 — not generic estimates.
$2,402 /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
$2,402/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
−5.8%
$/sqft vs Summerfield actives
$162 vs $190
Days on market
235 vs 50 typical
Where $162/sqft sits among the 354 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
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)
172 of 354
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 13766 SE 89TH AVENUE
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$215,000
8608 SE 141ST STREET ROAD · same community
2 bd · 2 ba · 1,356 sqft · $159/sqft · 76 DOM
Sold · Sep ’25$250,000
9436 SE 130TH STREET · same community
2 bd · 2 ba · 1,340 sqft · $187/sqft · 6 DOM
Sold · Jan ’26$340,000
15070 SE 94TH TERRACE
4 bd · 3 ba · 2,057 sqft · $165/sqft · 1 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 13766 SE 89TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13766 SE 89TH AVENUE — 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
13766 SE 89TH AVENUE FAQs
What would the monthly payment be for 13766 SE 89TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,402/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 13766 SE 89TH AVENUE?+
The most recent tax bill on record (2025) was $1,924. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Summerfield?+
At $328,950, this home is listed about 13% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 13766 SE 89TH AVENUE?+
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
Three things that matter here
01Positioned at the premium end
$328,950 runs 20% above the SUMMERFIELD 34491 median — but at 2,025 sqft it's also 27% larger than the typical Summerfield listing.
02Time on market is leverage
235 days on market against a Summerfield median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $339,900, now $328,950 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Dora Campbell. MLS #OM714790.
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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