12224 SE 91ST AVENUE, SUMMERFIELD, FL, 34491
Active61 days on marketListed Jun 2, 2026MLS #OM725529
About this home
12224 SE 91ST AVENUE
Live the Florida lifestyle you've always envisioned in this beautifully appointed Summerfield home. The open-concept kitchen dazzles with rich granite countertops, maple cabinetry, and stainless steel appliances, flowing seamlessly into inviting living and dining spaces. The grand living room features elegant custom built-ins and sliding doors to the outdoors. Retreat to the spacious primary suite with light wood floors, serene natural light, and a luxurious en-suite boasting dual vanities, a soaking tub, and separate shower. Every detail inspires the life you deserve.Extra nice Hanover. Designer driveway, walkway. Double door designed front entry. Large ceramic tile on the diagonal throughout except bedrooms. Formal diningroom or den... you decide. Upgraded kitchen cabinetry that extends into the breakfast nook -- some glass fronts, two pantries breakfast bar, granite counters and slide out shelving. Built-in entertainment center. Built-in desk unit in one of the bedroom. Engineered hickory floors inmaster and additional bedroom. Enclosed lanai, acrylic windows and minisplit heat pump and attached bird cage for bug free enjoyment outdoors. Extended garage, remote screen, utility sink. Newer HVAC system(2017) and roof(2022) with 30 year shingles. Level 2 EV charger.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,958
Sqft
0.21 ac
Lot size
2
Garage
2004
Year built
One
Levels
$199
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.
$3,044 /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
$3,044/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
+8.8%
$/sqft vs SPRUCE CREEK GC
$199 vs $190
Days on market
61 vs 50 typical
Where $199/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
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)
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 42% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 12224 SE 91ST AVENUE
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$335,000
9037 SE 136TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $165/sqft · 75 DOM
Sold · Jun ’26$358,000
9910 SE 138TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $177/sqft · 179 DOM
Sold · May ’26$328,000
8850 SE 140TH PLACE ROAD · same community
3 bd · 2 ba · 2,025 sqft · $162/sqft · 40 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 12224 SE 91ST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12224 SE 91ST AVENUE — 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
12224 SE 91ST AVENUE FAQs
What would the monthly payment be for 12224 SE 91ST AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,044/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 12224 SE 91ST AVENUE?+
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 12224 SE 91ST AVENUE?+
The most recent tax bill on record (2025) was $2,430. 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 12224 SE 91ST AVENUE?+
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 $389,900, this home is listed about 34% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12224 SE 91ST AVENUE?+
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 JUDY L. TROUT REALTY · Judy Trout. MLS #OM725529.
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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