9630 SE 165TH LANE, SUMMERFIELD, FL, 34491
Active101 days on marketListed Apr 15, 2026MLS #OM722898
About this home
9630 SE 165TH LANE
Spacious Living. Exceptional Value. Possible Turnkey Opportunity! LOW MONTHLY HOA FEES with exceptional value! Enjoy the benefits of affordable maintenance-free living with HOA dues that include water, sewer, trash service, private well, clubhouse, heated pool, spa, pickleball courts, and beautifully maintained common areas. Best of all, you own the land—NO CDD fees and NO Bond! Offering an impressive 2,429 square feet, this spacious 4-bedroom, 2.5-bath home is one of the larger residences in the community and was thoughtfully designed to accommodate today's evolving lifestyles. Whether you're seeking space for visiting family, multi-generational living, hobbies, or working from home, this versatile floor plan delivers. Situated on an elevated homesite, the home welcomes you with a charming covered front porch—the perfect place to enjoy your morning coffee or relax while taking in Florida's beautiful sunsets. Inside, you'll discover an inviting open layout filled with natural light. The spacious kitchen offers abundant cabinetry, generous counter space, and plenty of room to gather, while the formal dining room creates the perfect setting for holidays, celebrations, and family dinners. The primary suite provides comfort and convenience with a walk-in closet and a handicap-accessible ensuite bath. Additional living areas include a private office or den, plus a large bonus room that can easily become a craft room, fitness studio, game room, media room, or guest retreat. A separate living area enhances privacy for extended family or overnight guests. Step outside to enjoy the beautifully landscaped, low-maintenance yard complete with a workshop/storage building for projects and organization. The oversized RV carport offers exceptional covered parking for your RV, boat, golf cart, or multiple vehicles. Life at Hilltop Estates means more than just owning a home—it's a lifestyle. Residents enjoy a welcoming atmosphere with a clubhouse, heated swimming pool, spa, pickleball courts, and a full calendar of social activities. Even better, the affordable HOA includes water, sewer, trash service, and maintenance of the community amenities, making everyday living simple and convenient. Located just minutes from The Villages®, the VA Clinic on Mulberry Lane, championship golf, shopping, restaurants, entertainment, and medical facilities, this home offers an unbeatable combination of space, convenience, and value. Property Highlights: Seller paying HOA dues through December 2026, Home warranty included, Resident-owned 55+ community, You own the land – NO CDD fees & NO Bond, 4 Bedrooms | 2.5 Bathrooms, 2,429 Sq. Ft., Flexible floor plan ideal for multi-generational living, Office/Den plus Bonus/Flex Room, Handicap-accessible primary bathroom, Workshop/Storage Building, Oversized RV Carport, and Community clubhouse, heated pool, spa & pickleball! Minutes to The Villages®, VA Clinic, shopping, dining, and healthcare! Don't miss this opportunity to own one of Hilltop Estates' most spacious homes while enjoying outstanding seller incentives and an active, maintenance-friendly lifestyle in one of Central Florida's most convenient locations.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,429
Sqft
0.34 ac
Lot size
1998
Year built
One
Levels
$103
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.
$2,187 /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
$2,187/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.
$/sqft vs Summerfield actives
$103 vs $190
Days on market
101 vs 50 typical
Where $103/sqft sits among the 352 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)
168 of 352
Summerfield actives 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 9630 SE 165TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$195,000
16582 SE 96TH COURT · same community
2 bd · 2 ba · 1,329 sqft · $147/sqft · 20 DOM
Sold · Mar ’26$200,000
16681 SE 96TH COURT · same community
2 bd · 2 ba · 1,284 sqft · $156/sqft · 149 DOM
Sold · Oct ’25$640,000
8990 SE 178TH MUIRFIELD PLACE
4 bd · 3 ba · 2,350 sqft · $272/sqft · 220 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 9630 SE 165TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9630 SE 165TH LANE — 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
9630 SE 165TH LANE FAQs
What would the monthly payment be for 9630 SE 165TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,187/mo — principal and interest, the actual property-tax bill, the $260/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 9630 SE 165TH LANE?+
The association fee works out to $260 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9630 SE 165TH LANE?+
The most recent tax bill on record (2024) was $2,291. 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 9630 SE 165TH LANE?+
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 $249,000, 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 9630 SE 165TH LANE?+
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
01Under the SUMMERFIELD 34491 market on paper
$249,000 is 9% below the SUMMERFIELD 34491 median of $274,700, and at $103/sqft it sits under the Summerfield average of $204.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
101 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 $272,000, now $249,000 — a $23K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cassandra Gardner. MLS #OM722898.
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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