16394 SE 89TH TERRACE, SUMMERFIELD, FL, 34491
Pending86 days on marketListed May 8, 2026MLS #G5112054
About this home
16394 SE 89TH TERRACE
NO HOA NO BOND! Stunning Custom Built 3/3 Designer home with ROOM FOR A LARGE POOL. Across the street to The Villages and Mulberry Publix Plaza, where shopping, dining, and medical facilities await. This open and split floor plan features luxurious West Oak Vinyl Plank flooring, a striking shiplap wall with a 60” linear electric fireplace in the living room, and access to a spacious screened lanai equipped for a hot tub and stone look porcelain floors. This same floor is in the welcoming covered front porch. The Chefs kitchen is complete quartz counters a 5 burner cook top with vented hood and pot filler, built in double oven, built in microwave drawer, walk in custom pantry and island with storage and breakfast bar. The master bedroom features a stylish tray ceiling with crown molding and French doors leading to the lanai, complemented by his and her CUSTOM walk-in closets. The ensuite bath boasts a dual vanity, a glass-enclosed shower with a bench, a soaking garden tub, and a convenient linen closet. The French doors are equipped with inset blinds for added privacy and convenience. The guest bedrooms share a bath with shower. The front bedroom showcases a charming bay window with plantation shutters and a cozy window seat. The back bedroom offers carpeting and private access to a half bath, which also connects to the lanai. The property includes a spacious two-car garage with additional space for a golf cart and loft storage. The interior laundry room is equipped with extra cabinets, a utility sink, and the home's Central WiFi Control Box. Additional features include ceiling fans with light kits, a whole house water filtration system, and a privacy vinyl fence in the backyard that can be expanded for enhanced outdoor living. Electric car charger is included with home. Schedule your appointment today to experience this exceptional home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,037
Sqft
0.36 ac
Lot size
2
Garage
2023
Year built
One
Levels
$258
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.
$3,815 /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
$3,815/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
+22.5%
Days on market
86 vs 50 typical
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)
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 91% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
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 16394 SE 89TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16394 SE 89TH 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
16394 SE 89TH TERRACE FAQs
What would the monthly payment be for 16394 SE 89TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,815/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 16394 SE 89TH TERRACE?+
The most recent tax bill on record (2025) was $3,990. 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 $525,000, this home is listed about 81% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 16394 SE 89TH 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.
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Karen Kamperman. MLS #G5112054.
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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