17990 SE 100TH TERRACE, SUMMERFIELD, FL, 34491
Active111 days on marketListed Apr 10, 2026MLS #OM722484
About this home
17990 SE 100TH TERRACE
Perfectly positioned on a quiet cul-de-sac and overlooking the golf course, this exceptional residence captures breathtaking panoramic views of the #1 GREEN and 2nd TEE BOX in the highly sought after 55+ Gated Golf Community of SPRUCE CREEK SOUTH, ideally located just moments from THE VILLAGES, FLORIDA. This beautifully appointed, FULLY FURNISHED 3 Bedroom, 2 Bath home welcomes you with an immediate sense of warmth and elegance the moment you step inside, offering the true essence of Florida living. Designed for both comfort and style, the home Features gorgeous LAMINATE Flooring, refined CROWN MOLDING, and PLANTATION SHUTTERS throughout, creating a polished and cohesive look. The inviting Florida room and covered patio provide the perfect setting to relax or entertain while enjoying serene golf course views and Florida’s year round sunshine. Thoughtfully maintained, this home offers peace of mind with a NEW ROOF (2023) and an HVAC (2015). Life in Spruce Creek South is nothing short of vibrant, with an array of amenities designed to enhance every day. Residents enjoy access to billiards, bocce, softball fields, tennis and pickleball courts, a welcoming restaurant, and countless social clubs that bring neighbors together. Golf enthusiasts can take advantage of the course just outside their door, while convenient golf cart access makes it effortless to reach nearby shopping, dining, medical facilities, and entertainment. This is more than just a home, t’s the retirement lifestyle you’ve been dreaming of, where every day feels like a getaway. Don’t miss the opportunity to make this extraordinary property your own. Comes completely furnished.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,870
Sqft
0.23 ac
Lot size
2
Garage
1992
Year built
One
Levels
$171
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.
$2,647 /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
$2,647/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
+3.6%
$/sqft vs SPRUCE CREEK SOUTH
$171 vs $171
Days on market
111 vs 50 typical
Where $171/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
$285K → $258K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
7 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 16% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 17990 SE 100TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$286,000
9488 SE 174TH LOOP · same community
2 bd · 2 ba · 1,884 sqft · $152/sqft · 46 DOM
Sold · Nov ’25$289,900
17576 SE 96 COURT · same community
3 bd · 2 ba · 1,726 sqft · $168/sqft · 39 DOM
Sold · Nov ’25$287,000
17475 SE 107TH COURT · same community
2 bd · 2 ba · 1,678 sqft · $171/sqft · 197 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 17990 SE 100TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17990 SE 100TH 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
17990 SE 100TH TERRACE FAQs
What would the monthly payment be for 17990 SE 100TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,647/mo — principal and interest, the actual property-tax bill, the $178/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 17990 SE 100TH TERRACE?+
The association fee works out to $178 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17990 SE 100TH TERRACE?+
The most recent tax bill on record (2025) was $3,482. 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 17990 SE 100TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $319,000, this home is listed about 10% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 17990 SE 100TH 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
Four things that matter here
01Positioned at the premium end
$319,000 runs 16% above the SUMMERFIELD 34491 median — but at 1,870 sqft it's also 17% larger than the typical Summerfield listing.
02Golf Course & Trees/Woods views
The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
111 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 $349,900, now $319,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Richard Lutz. MLS #OM722484.
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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