David Ramirez
$244,9003 bd2 ba1,288 sqft$190 /sqft$1,953 /mo all-in ↓

14825 SE 28TH TERRACE, SUMMERFIELD, FL, 34491

Active1 days on marketListed Jul 29, 2026MLS #TB8533721

Priced 11% below the SUMMERFIELD 34491 medianSingle Family ResidenceBELLEVIEW HEIGHTS ESTATE

Come see it

Upcoming open house

Sat, Aug 1

12:00 PM – 5:00 PM

About this home

14825 SE 28TH TERRACE

BETTER THAN NEW • THOUSANDS IN COMPLETED UPGRADES • MOVE-IN READY • 2023 BUILT • NO HOA • NO REAR NEIGHBORS • PRIVATE WOODED BACKDROP • CONCRETE BLOCK • SCREENED LANAI • NO CARPET • MINUTES TO THE VILLAGES * Better than new, this beautifully maintained 2023-built 3-bedroom, 2-bath concrete block home combines modern construction with thousands of dollars in quality improvements already in place. From the screened lanai, stone paver patio, epoxy-coated garage floor, gutters, professional landscaping, partial privacy fencing, and brand-new storage shed to the tasteful finishes throughout, you'll enjoy features that many newer homes simply don't include. * Best of all, it's already done! Rather than planning and paying for landscaping, gutters, a screened lanai, fencing, outdoor living spaces, and storage after closing, you can move in and enjoy everything this home has to offer from day one. * From the attractive stone-accented front elevation and lush landscaping to the mature oak trees that provide beauty without crowding the home, every detail reflects pride of ownership. Perfectly positioned on a private homesite backing to open green space and woods with no rear neighbors, you'll enjoy a peaceful setting that's becoming increasingly difficult to find. This is the backyard oasis you've always envisioned! * Inside, soaring cathedral ceilings, abundant natural light, and a thoughtfully designed split-bedroom floor plan create a home that feels open, bright, and welcoming. Waterproof laminate flooring flows throughout, offering the beauty of continuous flooring with the convenience of NO CARPET, while elegant lighting fixtures and ceiling fans add comfort and contemporary style. * The beautifully appointed kitchen serves as the heart of the home, featuring abundant solid wood cabinetry, expansive granite countertops, matching granite window sills, stainless steel appliances, and an oversized peninsula with seating for four -- the perfect gathering place for casual meals, conversation, or entertaining while remaining connected to the spacious living and dining areas. * The private primary suite offers a spacious walk-in closet and a beautifully finished ensuite bathroom with granite countertops and a fully tiled walk-in shower. Two generously sized guest bedrooms are situated on the opposite side of the home and share a well-appointed guest bathroom featuring granite countertops and a fully tiled tub/shower surround. * Step outside and discover where this home truly comes to life. The spacious east-facing screened lanai is the perfect place to enjoy peaceful sunrises with your morning coffee or relax in the shade on warm Florida afternoons. Beyond the lanai, the expansive stone paver patio creates an inviting outdoor living space overlooking the private wooded backdrop. Upgraded electrical is already in place for a future hot tub, giving you the flexibility to create your own backyard retreat. (Existing hot tub not included but negotiable.) * Conveniently located just minutes from The Villages, Belleview, Ocala, shopping, dining, healthcare, and I-75. * Exceptional MOVE-IN READY homes offering this combination of modern construction, completed upgrades, private wooded views, exceptional outdoor living, and NO HOA are increasingly difficult to find. ** SCHEDULE YOUR PRIVATE SHOWING TODAY! **

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,288

Sqft

0.22 ac

Lot size

2

Garage

2023

Year built

One

Levels

$190

Per sqft

Inside

FlooringLaminate
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorPermeable Paving · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$2,920/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,953 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,442
FHA mortgage insurance (est.)$108
Property tax — 2025 actual bill$243
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,572Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,572
Interest rate6.00%
Loan term

Estimated payment

$1,953/mo

Principal & interest$1,442
FHA mortgage insurance (est.)$108
Property taxes (actual bill)$243
Est. insurance$160

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.

List $245K
$232KedgeAI estimate $249,448 · range $241K$264K$274K

vs edgeAI estimate

−1.8%

$/sqft vs BELLEVIEW HEIGHTS ESTATE

$190 vs $185

Days on market

1 vs 50 typical

Where $190/sqft sits among the 47 homes for sale in BELLEVIEW HEIGHTS ESTATE

9
2
14 · this home
14
5
3
$136–154$154–173$173–191$191–209$209–227$227+

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

Map of 14825 SE 28TH TERRACE

Drive times from this address

Downtown Orlando72 min
Universal Orlando75 min

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

MiddleLake Weir Middle School★★★★
ElementaryHarbour View Elementary School★★★★★
HighLake Weir High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Summerfield market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$285K$258K

Summerfield median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

23 of 47

BELLEVIEW HEIGHTS ESTATE have cut their price

Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 11% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $244,900 · 1 days on market since
2023Built · BELLEVIEW HEIGHTS ESTATE

Reality check

What actually sold near 14825 SE 28TH TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3647 SE 132ND PLACESold · May ’26

$231,800

3647 SE 132ND PLACE · same community

3 bd · 2 ba · 1,286 sqft · $180/sqft · 8 DOM

14489 SE 38TH TERRACESold · Sep ’25

$259,000

14489 SE 38TH TERRACE · same community

3 bd · 2 ba · 1,313 sqft · $197/sqft · 64 DOM

3979 SE 143RD PLACESold · Jun ’26

$239,900

3979 SE 143RD PLACE · same community

3 bd · 2 ba · 1,331 sqft · $180/sqft · 4 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 14825 SE 28TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14825 SE 28TH 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.

Goes straight to David’s phone and CRM.

Straight answers

14825 SE 28TH TERRACE FAQs

What would the monthly payment be for 14825 SE 28TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,953/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 14825 SE 28TH TERRACE?+

The most recent tax bill on record (2025) was $2,920. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Summerfield?+

At $244,900, this home is listed about 16% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.

Which schools are assigned to 14825 SE 28TH 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.

Listing courtesy of ASHLAR REALTY · Richard Kim. MLS #TB8533721.

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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