13520 SE 87TH CIRCLE, SUMMERFIELD, FL, 34491
Active261 days on marketListed Nov 5, 2025MLS #G5104088
About this home
13520 SE 87TH CIRCLE
Enjoy one of the best views in Del Webb Spruce Creek from this beautifully updated home overlooking a peaceful pond and fountain with stunning western sunsets. As you step inside, you’re welcomed into a bright, open floor plan with uniform waterproof luxury vinyl plank flooring flowing throughout, complemented by new recessed lighting, modern fans, and updated fixtures. The light and airy eat-in kitchen features white cabinetry, white quartz countertops, a white tile backsplash, and brand-new Whirlpool stainless steel appliances, with matching quartz also carried into both bathrooms for a seamless, polished look. The living, dining, and kitchen areas connect effortlessly, making the space ideal for both relaxing and entertaining. The Florida room is lined with windows to take in the tranquil waterfront and sunset views, and when the weather is nice, step out under the pergola to relax and watch the fountain as the sun dips below the horizon. The home feels fresh inside and out with newly completed interior and exterior paint, and even the garage has been updated with a freshly epoxied floor. Additional highlights include a 2022 roof, 2021 A/C, and fully paid solar panels installed in 2018. Situated on an oversized lot, this move-in-ready home is located in a vibrant 55+ golf community offering three recreation complexes, two outdoor pools, an indoor lap pool, pickleball, tennis, shuffleboard, bocce ball, volleyball, a softball field, basketball court, walking trails, a state-of-the-art fitness center, and access to over 100 clubs and classes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,554
Sqft
0.31 ac
Lot size
2
Garage
2003
Year built
One
Levels
$219
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.
$2,672 /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
$2,672/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
+9.1%
$/sqft vs Summerfield actives
$219 vs $189
Days on market
261 vs 50 typical
Where $219/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)
167 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 24% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 13520 SE 87TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$240,000
8814 SE 136TH PLACE · same community
2 bd · 2 ba · 1,346 sqft · $178/sqft · 2 DOM
Sold · Jan ’26$345,000
14631 SE 95TH COURT
3 bd · 2 ba · 1,563 sqft · $221/sqft · 164 DOM
Sold · Aug ’25$349,900
14611 SE 95TH COURT
3 bd · 2 ba · 1,563 sqft · $224/sqft · 25 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13520 SE 87TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13520 SE 87TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
13520 SE 87TH CIRCLE FAQs
What would the monthly payment be for 13520 SE 87TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,672/mo — principal and interest, the actual property-tax bill, the $200/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 13520 SE 87TH CIRCLE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13520 SE 87TH CIRCLE?+
The most recent tax bill on record (2024) was $1,918. 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 13520 SE 87TH CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $340,000, this home is listed about 17% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 13520 SE 87TH 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
$340,000 runs 24% above the SUMMERFIELD 34491 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
261 days on market against a Summerfield median of 50 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $350,000, now $340,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ARROW REALTY & INVESTMENTS INC · Rena MacPhee. MLS #G5104088.
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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