12859 SE 91ST TERRACE ROAD, SUMMERFIELD, FL, 34491
Pending44 days on marketListed Jun 23, 2026MLS #OM727202
About this home
12859 SE 91ST TERRACE ROAD
Move-in ready and beautifully updated, The Lexington offers golf course living on a quiet cul-de-sac with a new pool. This split-bedroom home features 3 bedrooms plus a library, 2.5 bathrooms, and an enclosed lanai under heat and air. Highlights include a designer driveway and walkway, covered front porch, front beveled glass double entry doors, engineered hardwood floors, plantation shutters, remodeled kitchen, library/office with built-ins, a golf cart garage, and a stunning pool installed in 2019 with a sun shelf and birdcage. Additional updates include a kitchen reverse osmosis system, water softener, newer kitchen appliances, new ceiling fans, sculpted bedroom carpeting, professional landscaping with hacienda walls and more. Major updates include Roof 2022, HVAC 2019, Water Heater 2025, and Water Softener 2020. Located on the eighth hole of the Memorial Course in the beautiful tree-canopied community of Del Webb Spruce Creek Golf and Country Club, where the amenities are top notch and you will find four (4) 9-hole golf courses. Conveniently located just north of The Villages and just south of Ocala, puts you right in the lap of fine restaurants, wonderful shopping and great entertainment. This 55+ community cannot be beat! Call today to schedule your private viewing.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,806
Sqft
0.22 ac
Lot size
2
Garage
2004
Year built
One
Levels
$205
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.
$4,172 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,172/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 SPRUCE CREEK GC
$205 vs $188
Days on market
44 vs 52 typical
Where $205/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
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 → $276K
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 109% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 12859 SE 91ST 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 · Feb ’26$519,000
12971 SE 90TH COURT ROAD · same community
3 bd · 2 ba · 2,581 sqft · $201/sqft · 1 DOM
Sold · Jan ’26$365,000
13195 SE 93RD CIRCLE · same community
3 bd · 2.5 ba · 2,266 sqft · $161/sqft · 177 DOM
Sold · Sep ’25$390,000
13165 SE 93RD CIRCLE · same community
3 bd · 2.5 ba · 2,261 sqft · $172/sqft · 77 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 12859 SE 91ST TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12859 SE 91ST 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
12859 SE 91ST TERRACE ROAD FAQs
What would the monthly payment be for 12859 SE 91ST TERRACE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,172/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 12859 SE 91ST 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 12859 SE 91ST TERRACE ROAD?+
The most recent tax bill on record (2025) was $5,751. 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 12859 SE 91ST TERRACE ROAD?+
The listing reports pets: 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 $575,000, this home is listed about 98% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12859 SE 91ST 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 RE/MAX PREMIER REALTY LADY LK · Jaylene Sheldon. MLS #OM727202.
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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