12747 SE 97TH TERRACE ROAD, SUMMERFIELD, FL, 34491
Active162 days on marketListed Feb 24, 2026MLS #OM719520
About this home
12747 SE 97TH TERRACE ROAD
LARGE BIRD CAGE Located in the Hampton hills neighborhood of Spruce Creek Golf and Country Club. This lovey citation model home is a 2 bed 2 bath with den/office. The kitchen has stainless steel appliances. granite counter. This home is located in the middle of the community with easy access to all the amenities. The home has been well maintained including the installation of a New Roof in 2019, the HVAC was repalced in 2017. Community offers many fantastic amenities included in your monthly HOA fee 2 outdoor pools, 1 indoor pool, fitness center, pickleball, tennis courts, and top notch golf courses (requires extra fees) just to name a few
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,575
Sqft
0.16 ac
Lot size
2
Garage
2005
Year built
One
Levels
$216
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.
$2,736 /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
$2,736/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
+14.6%
$/sqft vs SPRUCE CREEK GC
$216 vs $191
Days on market
162 vs 52 typical
Where $216/sqft sits among the 49 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
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)
23 of 49
SPRUCE CREEK GC have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 12747 SE 97TH TERRACE ROAD
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$299,000
12643 SE 97TH TERRACE ROAD · same community
2 bd · 2 ba · 1,575 sqft · $190/sqft · 2 DOM
Sold · Dec ’25$290,000
13516 SE 87TH CIRCLE · same community
2 bd · 2 ba · 1,575 sqft · $184/sqft · 9 DOM
Sold · Dec ’25$295,000
9285 SE 126 STREET · same community
2 bd · 2 ba · 1,572 sqft · $188/sqft · 62 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 12747 SE 97TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12747 SE 97TH TERRACE 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
12747 SE 97TH TERRACE ROAD FAQs
What would the monthly payment be for 12747 SE 97TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,736/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 12747 SE 97TH TERRACE ROAD?+
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 12747 SE 97TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $2,529. 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 12747 SE 97TH TERRACE ROAD?+
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 $339,900, this home is listed about 17% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12747 SE 97TH TERRACE 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.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP DAVALLS · David Stahl. MLS #OM719520.
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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