
12771 SE 92ND TERRACE, SUMMERFIELD, FL, 34491
Active27 days on marketListed Jul 6, 2026MLS #OM727635
About this home
12771 SE 92ND TERRACE
Move-In Ready and Absolutely Stunning! This beautifully updated 2-bedroom, 2-bath home with a spacious Florida room under heat and air has been meticulously maintained and is truly a showcase of pride of ownership. Exceptionally cared for making this an easy transition to your Florida lifestyle. The bright, open floor plan features a light-filled front kitchen, a spacious living room, and a cozy Florida room with two sets of sliding glass doors featuring enclosed blinds From the moment you arrive, you’ll appreciate the inviting front porch and the professionally painted, flaked, and sealed driveway and sidewalk, which have been regularly maintained. A Hide-A-Screen front door allows you to enjoy Florida’s beautiful breezes. The interior, including the garage, was professionally painted in decorator colors Luxury vinyl plank flooring was installed throughout the home, with three extra cartons included for future use if needed The beautifully updated kitchen features granite countertops, stainless steel appliances, recessed LED lighting with dimmers, and convenient roll-out cabinet drawers. Both bathrooms have been thoughtfully updated with new faucets and shower heads and comfort-height toilets. The low-maintenance exterior is beautifully landscaped with decorative curbing and stone accents. Additional improvements include updated underground wiring, socket, and sensor for the lamp post. Major updates include: • New HVAC system (May 2025) • New roof (April 2021) • Stainless steel kitchen appliances (2024) • Granite countertops (2020) • Water heater (2016) The immaculate garage is finished with drywall, a professionally painted, flaked, and sealed floor, updated screens and kickplates, a new garage door opener (December 2024), and bright LED lighting. Additional improvements include newer smoke detectors, LED kitchen lighting, updated light switches throughout most of the home, and an LED front porch light with timer. This exceptional home is truly move-in ready, offering quality upgrades, modern finishes, and meticulous maintenance throughout. Located in the award-winning, gated Del Webb Spruce Creek Golf & Country Club, this premier 55+ community of approximately 3,250 homes offers an unmatched active lifestyle with more than 70 clubs and activities, three pools, three spas, a clubhouse, fitness center, four 9-hole golf courses, 12 LIGHTED PICKLEBALL COURTS, seven LIGHTED TENNIS COURTS, bocce, shuffleboard, sand and water volleyball, scenic walking paths, Lake Vista Gazebo, pavilions, and the popular on-site Liberty Grille restaurant. The community’s signature tree-lined boulevard creates a beautiful setting you’ll enjoy every day. This is your opportunity to own a meticulously maintained, move-in-ready home in one of Central Florida’s premier active adult communities. Schedule your private showing today and start living your best life!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,147
Sqft
0.21 ac
Lot size
2
Garage
2000
Year built
One
Levels
$248
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.
$2,349 /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
$2,349/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
+23.2%
$/sqft vs SPRUCE CREEK GC
$248 vs $190
Days on market
27 vs 50 typical
Where $248/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
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 4% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 12771 SE 92ND 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$209,000
9417 SE 132ND LOOP · same community
2 bd · 2 ba · 1,237 sqft · $169/sqft · 179 DOM
Sold · Jan ’26$270,000
12762 SE 92ND TERRACE · same community
2 bd · 2 ba · 1,274 sqft · $212/sqft · 26 DOM
Sold · Feb ’26$235,000
8601 SE 133RD STREET · same community
2 bd · 2 ba · 1,346 sqft · $175/sqft · 2 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 12771 SE 92ND TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12771 SE 92ND 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
12771 SE 92ND TERRACE FAQs
What would the monthly payment be for 12771 SE 92ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,349/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 12771 SE 92ND TERRACE?+
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 12771 SE 92ND TERRACE?+
The most recent tax bill on record (2025) was $2,062. 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 12771 SE 92ND TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $284,900, this home is listed about 2% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12771 SE 92ND 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.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NGR- SUMMERFIELD · Virgil Kapp. MLS #OM727635.
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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