10358 SE 178 PLACE, SUMMERFIELD, FL, 34491
Active31 days on marketListed Jun 24, 2026MLS #OM727240
About this home
10358 SE 178 PLACE
Virtually Staged. Charming Updated Pecan Floor Plan in Spruce Creek South – Active 55+ Living at Its Best! Welcome home to this beautifully maintained 2-bedroom, 2-bath Pecan floor plan nestled in the desirable Spruce Creek South 55+ golf cart community. Offering the perfect blend of comfort, updates, and low-maintenance living, this home is ready for its next owner. A welcoming covered front porch, attractive leaded glass entry door, and decorative concrete landscape curbing create wonderful curb appeal. Inside, you’ll appreciate the spacious layout highlighted by 18-inch diagonal tile flooring throughout the living room, dining room, and kitchen. The bright kitchen features tile countertops, a convenient pass-through to the Florida room, and a newer stainless steel refrigerator, range, microwave, and dishwasher. Updated light fixtures throughout and a ceiling fan in the living room provide a fresh, modern feel. The Florida room offers additional living space with durable laminate flooring, making it the perfect spot to relax, read, or entertain guests. Both bedrooms are generously sized with comfortable carpeting. The spacious primary suite features a private ensuite bath complete with a walk-in shower, while both bathrooms have been updated with newer cabinetry and raised-height toilets for added comfort and convenience. Step outside to enjoy the private open patio, ideal for morning coffee or evening relaxation.Major updates have already been completed for peace of mind, including: * Roof replaced in 2024 * HVAC replaced in 2025 * Updated lighting throughout * Updated bathroom cabinetry * Raised-height toilets in both bathrooms A one-car garage completes this wonderful home, all located within the amenity-rich Spruce Creek South, where residents enjoy golf-cart access to shopping, recreation, clubs, and an active Florida lifestyle. Move-in ready and waiting for you to enjoy everything this exceptional 55+ community has to offer!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,260
Sqft
0.25 ac
Lot size
1
Garage
1991
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.
$1,970 /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
$1,970/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
−1.3%
$/sqft vs SPRUCE CREEK SOUTH
$171 vs $174
Days on market
31 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)
8 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 22% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10358 SE 178 PLACE
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$215,000
10034 SE 175TH STREET · same community
2 bd · 2 ba · 1,247 sqft · $172/sqft · 122 DOM
Sold · Mar ’26$180,000
10046 SE 175TH STREET · same community
2 bd · 2 ba · 1,240 sqft · $145/sqft · 64 DOM
Sold · May ’26$175,000
17505 SE 100TH COURT · same community
2 bd · 2 ba · 1,359 sqft · $129/sqft · 90 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 10358 SE 178 PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10358 SE 178 PLACE — 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
10358 SE 178 PLACE FAQs
What would the monthly payment be for 10358 SE 178 PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,970/mo — principal and interest, the actual property-tax bill, the $179/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 10358 SE 178 PLACE?+
The association fee works out to $179 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10358 SE 178 PLACE?+
The most recent tax bill on record (2025) was $3,249. 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 10358 SE 178 PLACE?+
The listing reports pets: 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 $214,900, this home is listed about 26% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10358 SE 178 PLACE?+
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 · Jennifer Trail. MLS #OM727240.
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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