10319 SE 177TH PLACE, SUMMERFIELD, FL, 34491
Active193 days on marketListed Jan 28, 2026MLS #G5105087
About this home
10319 SE 177TH PLACE
Nestled in the heart of the serene 55+ gated community of SPRUCE CREEK SOUTH this charming PECAN model offers comfortable Florida living. You'll enjoy proximity to shopping centers and restaurants making errands and dining out a breeze. The house boasts a (2026) BRAND-NEW ROOF and (2026) new REFRIGERATOR and DISHWASHER, ensuring worry-free maintenance. This spacious floor plan has 2 Bedrooms and 2 Bathrooms. The Primary Bedroom features a ceiling fan and walk-in closet and En-Suite Bathroom with walk-in shower and built-in linen closet. The Guest Bedroom is equipped with ceiling fan and closet with extra shelving. The open living-dining area flows seamlessly into the Florida Room and Lanai, filling the home with natural light and providing extra space for morning coffee, relaxing, hobbies and year round comfort. The 2 car garage (including washer and dryer) has 2 ceiling fans with entry to the Lanai and Kitchen. The back yard paver patio is perfect for barbeques and gatherings and the generous flat yard is ready to be fenced for pets, play or gardening. The covered front porch with planter, landscaped beds with rock mulch and concrete edging add to the charm of this home. Situated in the friendly community of Spruce Creek South with amenities of a clubhouse, pool, golf course, pickleball, tennis courts and many social activities you'll also enjoy easy access to shopping, dining and entertainment - plus golf cart access for fun trips to nearby plazas. Don't miss this lovely home in this active community that is a perfect blend of comfort, convenience and Florida charm! ROOF-2026 - HVAC-2004 - 1,143 Sq.Ft. Home comes Partially Furnished.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,143
Sqft
0.25 ac
Lot size
2
Garage
1990
Year built
One
Levels
$197
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.
$2,025 /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
$2,025/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
+2.6%
$/sqft vs Summerfield actives
$197 vs $190
Days on market
193 vs 50 typical
Where $197/sqft sits among the 348 Summerfield actives
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
$279K → $256K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
169 of 348
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10319 SE 177TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$269,000
1206 BALLESTEROS DRIVE
2 bd · 2 ba · 1,148 sqft · $234/sqft · 3 DOM
Sold · Mar ’26$250,000
1224 BALLESTEROS DRIVE
2 bd · 2 ba · 1,148 sqft · $218/sqft · 217 DOM
Sold · Dec ’25$267,000
2913 BARBOZA DRIVE
2 bd · 2 ba · 1,156 sqft · $231/sqft · 17 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10319 SE 177TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10319 SE 177TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10319 SE 177TH PLACE FAQs
What would the monthly payment be for 10319 SE 177TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,025/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 10319 SE 177TH 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 10319 SE 177TH PLACE?+
The most recent tax bill on record (2025) was $3,148. 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 10319 SE 177TH PLACE?+
The listing reports pets: Breed Restrictions, 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 $224,900, this home is listed about 22% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10319 SE 177TH 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.
The brief
Three things that matter here
01Under the SUMMERFIELD 34491 market on paper
$224,900 is 18% below the SUMMERFIELD 34491 median of $275,000, and at $197/sqft it sits under the Summerfield average of $247.
02Time on market is leverage
193 days on market against a Summerfield median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $234,900, now $224,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA FINE HOMES REALTY, LLC · Jill Buckley. MLS #G5105087.
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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