10639 SE SUNSET HARBOR ROAD, SUMMERFIELD, FL, 34491
Active119 days on marketListed Apr 6, 2026MLS #G5109227
About this home
10639 SE SUNSET HARBOR ROAD
Welcome to this stunning 4-bedroom, 3-bath home in Summerfield, offering direct canal access to the lagoon and Lake Weir—perfect for boating enthusiasts. Spend your days cruising to Eaton’s Beach or entertaining at home in your private media room. This property has outstanding curb appeal; you will be greeted by the mature oak trees and private gate. Inside, you’ll find an open floor plan with vaulted ceilings and abundant natural light. The spacious kitchen features maple cabinetry, an island/breakfast bar, stainless steel appliances, and a closet pantry. The living room showcases high ceilings and seamless flow for entertaining. The primary suite and one of the bedrooms are located on the main floor. The primary bedroom has a tray ceiling, walk-in closet, and a luxurious en-suite bath featuring a jetted garden tub, separate shower, & dual marble vanities. Upstairs, the two guest bedrooms share a full bath, offering comfort and privacy for family or visitors. The indoor laundry room includes a utility sink and additional storage. Additional highlights include a side-entry two-car garage and a screened-in pool—perfect for enjoying Florida’s warm weather year-round. Roof (2021) This home truly has it all—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,888
Sqft
3.88 ac
Lot size
2
Garage
1997
Year built
Two
Levels
$268
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.
$5,438 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,438/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Summerfield actives
$268 vs $190
Days on market
119 vs 50 typical
Where $268/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)
171 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 182% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10639 SE SUNSET HARBOR ROAD
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$380,000
Nearby listing · same community
3 bd · 2 ba · 1,584 sqft · $240/sqft
Sold · Jul ’26$245,000
5515 27TH STREET W · same community
3 bd · 2.5 ba · 1,576 sqft · $155/sqft · 1 DOM
Sold · Apr ’26$850,000
104 Mangrove Ln, Key Largo FL 33070 · same community
3 bd · 2 ba · 7 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 10639 SE SUNSET HARBOR ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10639 SE SUNSET HARBOR ROAD — 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
10639 SE SUNSET HARBOR ROAD FAQs
What would the monthly payment be for 10639 SE SUNSET HARBOR ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,438/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 10639 SE SUNSET HARBOR ROAD?+
The most recent tax bill on record (2025) was $9,661. 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 $775,000, this home is listed about 167% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10639 SE SUNSET HARBOR ROAD?+
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
$775,000 runs 182% above the SUMMERFIELD 34491 median — but at 2,888 sqft it's also nearly twice the size of the typical Summerfield listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
119 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 $780,000, now $775,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DOWN HOME REALTY, LLLP · Damon Morton. MLS #G5109227.
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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