11981 SE 91ST CIRCLE, SUMMERFIELD, FL, 34491
Active8 days on marketListed Jul 16, 2026MLS #G5114673
About this home
11981 SE 91ST CIRCLE
Welcome to this well-maintained concrete block and stucco two-bedroom, two-bath home with a two-car garage in Del Webb’s Spruce Creek Golf and Country Club. Enjoy relaxed Florida living with a lanai, installed dog-friendly enclosure, and access to community amenities including activities, clubs, events, pools, and a dog park. The open eat-in kitchen overlooks the living room and features a breakfast bar, closet pantry, ample cabinetry, and newer stove and refrigerator. Triple sliders provide easy access to the lanai and dog enclosure, creating a comfortable indoor-outdoor flow. The split-bedroom layout offers added privacy for guests, and the inside laundry area adds convenience. The primary suite includes an en-suite bath with dual sinks and a newer shower with sliding glass enclosure. Notable updates include HVAC in 2018, shingles in 2021, exterior paint in 2021, and dog fencing installed in 2021. Call today for your private showing and the new home you have already dreamed of with the Florida lifestyle!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,346
Sqft
0.14 ac
Lot size
2
Garage
2006
Year built
One
Levels
$186
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.
$2,271 /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
$2,271/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
−1.6%
$/sqft vs SPRUCE CREEK GC
$186 vs $190
Days on market
8 vs 50 typical
Where $186/sqft sits among the 51 homes for sale in SPRUCE CREEK GC
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)
26 of 51
SPRUCE CREEK GC have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 11981 SE 91ST CIRCLE
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$235,000
8601 SE 133RD STREET · same community
2 bd · 2 ba · 1,346 sqft · $175/sqft · 2 DOM
Sold · Jul ’25$260,000
8633 SE 133RD LANE · same community
2 bd · 2 ba · 1,346 sqft · $193/sqft · 156 DOM
Sold · Jan ’26$270,000
12762 SE 92ND TERRACE · same community
2 bd · 2 ba · 1,274 sqft · $212/sqft · 26 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 11981 SE 91ST CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11981 SE 91ST 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
11981 SE 91ST CIRCLE FAQs
What would the monthly payment be for 11981 SE 91ST CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,271/mo — principal and interest, the actual property-tax bill, the $214/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 11981 SE 91ST CIRCLE?+
The association fee works out to $214 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11981 SE 91ST CIRCLE?+
The most recent tax bill on record (2025) was $3,791. 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 11981 SE 91ST CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $249,750, this home is listed about 14% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11981 SE 91ST 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Diane Siefkas. MLS #G5114673.
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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