17929 SE 104TH TERRACE, SUMMERFIELD, FL, 34491
Pending194 days on marketListed Jan 22, 2026MLS #G5106488
About this home
17929 SE 104TH TERRACE
You won’t want to miss this charming home located in the desirable 55+ gated community of SPRUCE CREEK SOUTH, just a golf cart ride to shopping, restaurants, and entertainment. Eye-catching curb appeal welcomes you with a landscaped bed featuring rock mulch and decorative edging. This FIR model has been freshly painted and features vaulted ceilings, no popcorn ceilings, a painted driveway, and painted front walkway. The under heat and air GLASS-ENCLOSED LANAI adds approximately 295 square feet of living space, includes a golf cart garage, and opens to an outdoor patio overlooking a large backyard that could easily be fenced for pets. This 2-bedroom, 2-bath home offers laminate flooring in the living and dining rooms, carpeted bedrooms, and ceiling fans in the living room, both bedrooms, and the lanai. The kitchen features cream cabinetry and includes a solar tube and Kitchen sink GE Water Filter, with direct access to the two-car garage. Major updates provide peace of mind, including a new roof (2025), HVAC (2016), and water heater (2016). Come see this lovely home in Spruce Creek South’s active community—a perfect blend of comfort, convenience, and Florida charm. Watch our great video attached to listing!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,295
Sqft
0.26 ac
Lot size
2
Garage
1992
Year built
One
Levels
$166
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.
$1,984 /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
$1,984/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
−6.3%
$/sqft vs SPRUCE CREEK SOUTH
$166 vs $171
Days on market
194 vs 52 typical
Where $166/sqft sits among the 15 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 15
SPRUCE CREEK SOUTH have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 17929 SE 104TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$215,000
10034 SE 175TH STREET · same community
2 bd · 2 ba · 1,247 sqft · $172/sqft · 122 DOM
Sold · Mar ’26$180,000
10046 SE 175TH STREET · same community
2 bd · 2 ba · 1,240 sqft · $145/sqft · 64 DOM
Sold · Jul ’26$225,000
17888 SE 106TH TERRACE · same community
2 bd · 2 ba · 1,356 sqft · $166/sqft · 320 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 17929 SE 104TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17929 SE 104TH TERRACE — 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
17929 SE 104TH TERRACE FAQs
What would the monthly payment be for 17929 SE 104TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,984/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 17929 SE 104TH 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 17929 SE 104TH TERRACE?+
The most recent tax bill on record (2025) was $3,401. 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 17929 SE 104TH TERRACE?+
The listing reports pets: Breed Restrictions, 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 $215,000, this home is listed about 26% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 17929 SE 104TH 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.
The brief
Three things that matter here
01Under the SUMMERFIELD 34491 market on paper
$215,000 is 22% below the SUMMERFIELD 34491 median of $275,000, and at $166/sqft it sits under the Summerfield average of $246.
02Time on market is leverage
194 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 $229,000, now $215,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA FINE HOMES REALTY, LLC · Jill Buckley. MLS #G5106488.
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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