10599 SE 178TH STREET, SUMMERFIELD, FL, 34491
Active260 days on marketListed Nov 18, 2025MLS #G5104689
About this home
10599 SE 178TH STREET
Welcome Home to this lovely MAPLE MODEL. 2-bedroom, 2-bathroom,1 car garage plus golfcart garage. You're greeted with a cute porch in front . and fully enclosed Florida room, also concrete open patio for grilling under the roof. Located in Central Florida friendly gated community with guard and security 24/7 for 55 plus residents. This is a golf cart community, here in Spruce Creek South you have golfcart access to a broad selection of amenities within just minutes away ! You can cross 441 from the front gate legally which takes you to many businesses. The fact that this active 55+ community is near The Villages adds even more charm for those looking for that lifestyle. Important to know is that this community has an 18-hole golf course and a Links pro-shop with a restaurant which also offers entertainment, and this is located within close proximity to the home. We also have a residential additional gate on this road which takes you directly into Terrace Plaza not far from the home, which offers several restaurants , drugstores, dentist, medical centers, Urgent care, fellowship, flower shop, gallery, nail and hair salons and even a spa., including the newer planet fitness but keep in mind we have our own fitness center included with our P.O.A. with no extra charge. No bond or CDD here making it even more appealing. The roof is newer, replaced in 2021*** THE ELECTRICAL PANEL WILL BE CHANGED TO A NEW ONE BEFORE CLOSING***, THE HOT WATER HEATER HAS BEEN REPLACED 3/2026 WITH A NEW ONE*** for your peace of mind everything is working currently, seller has agreed to do this for the new owner. All the other mechanicals are currently in good working condition. This community also allows chain link fencing up to 4 foot tall behind your home for your furry babies...THROUGHOUT THE YEAR This community offers a lot to keep you active & engaged! The mix of indoor and outdoor amenities makes it a perfect place for anyone looking to stay fit, socialize, & enjoy a variety of activities. Attached to the Club house , outside we have the heated pool & hot tub / spa, Inside the clubhouse we have the fitness center, his and hers sauna and bathrooms with showers, there are also showers and a separate bathroom outside near the pool. all these amenities are a huge perk, especially for year-round relaxation, recreation, and social opportunities, perfect for those looking to get the most out of their 55+ living experience! Have you had a chance to check out the clubhouse? or any of these activities in person yet? ask your realtor to take you for a tour. A furniture package can be made available if any of the furniture interests you. This home in the Spruce Creek South community offers a wonderful lifestyle for those looking to live in a vibrant, 55+ golf cart-friendly neighborhood. You will have easy access to restaurants, medical facilities, supermarkets, retail shops, gas stations, banks, hair and nail salons, barber shops, fitness options, medical facilities, The Villages Squares are just a few miles away... You have easy access only minutes away so many options to choose from! You can ride your golfcart to many of these facilities, this is a huge convenience. I want you to keep in mind, having no bond or CDD is a financial bonus for buyers who are concerned with this. Please enjoy the professional pictures and slide show and call today for your virtual or in person tour. *** Start enjoying Florida Living in this great community which has so much to offer ***
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0.27 ac
Lot size
1
Garage
1991
Year built
One
Levels
$211
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.
$1,776 /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
$1,776/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
+13.8%
$/sqft vs SPRUCE CREEK SOUTH
$211 vs $171
Days on market
260 vs 52 typical
Where $211/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 → $276K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
6 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 23% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10599 SE 178TH STREET
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$199,900
17810 SE 108TH CT · same community
2 bd · 2 ba · 1,008 sqft · $198/sqft · 97 DOM
Sold · Jul ’26$180,000
17590 SE 96TH AVE · same community
2 bd · 2 ba · 1,008 sqft · $179/sqft · 71 DOM
Sold · Jun ’26$214,000
17577 SE 104TH CIRCLE · same community
2 bd · 2 ba · 1,008 sqft · $212/sqft · 33 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 10599 SE 178TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10599 SE 178TH STREET — 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
10599 SE 178TH STREET FAQs
What would the monthly payment be for 10599 SE 178TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,776/mo — principal and interest, the actual property-tax bill, the $176/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 10599 SE 178TH STREET?+
The association fee works out to $176 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10599 SE 178TH STREET?+
The most recent tax bill on record (2024) was $1,142. 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 10599 SE 178TH STREET?+
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 $212,500, this home is listed about 27% below the Summerfield median of $289,825. The market section on this page shows how the area is trending.
Which schools are assigned to 10599 SE 178TH STREET?+
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
01Under the SUMMERFIELD 34491 market on paper
$212,500 is 23% below the SUMMERFIELD 34491 median of $275,000, and at $211/sqft it sits under the Summerfield average of $246.
02Time on market is leverage
260 days on market against a Summerfield median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $214,900, now $212,500 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Gerrie Cosme Matias. MLS #G5104689.
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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