
17945 SE 104TH TERRACE, SUMMERFIELD, FL, 34491
Active167 days on marketListed Feb 25, 2026MLS #G5108782
About this home
17945 SE 104TH TERRACE
Just reduced! Welcome to resort-style living in Summerfield! This beautifully maintained Cypress model is in the sought-after 24 hour guarded, gated 55+ community of Spruce Creek South and offers comfort, convenience, and an active lifestyle. This inviting residence features 2 bedrooms, 2 bathrooms, and approximately 1134 square feet of thoughtfully designed living space. The open floor plan provides a bright and airy feel, perfect for both relaxing and entertaining. The primary bedroom offers a large walk in closet as well as a spacious bathroom with tile in the walk in shower that also has a glass door. The guest bath has a spacious layout with a tub and tiled shower combo with lots of storage. The guest bedroom has a large closet and lots of room for visitors. The kitchen offers ample cabinetry, generous counter space, and a cozy eat in dining area. The microwave and refrigerator are both new! Enjoy peaceful mornings and relaxing evenings in the Florida room, overlooking the landscaped yard. The back yard boasts a mature Loquat tree that produces fruit. The front yard has a 30 ft flag pole! The Florida room has beautiful tile flooring and windows with blinds as well as a wall unit for additional comfort on those sunny Florida days. Additional highlights of the home include vinyl floors in the dining room, hall and bedrooms with laminate in the bathrooms, carpet in the living room and tile in the kitchen. There is a large golf cart garage on the back of the home with a garage door that opens to the back yard. The large garage opening to the front of the home offers a garage door opener with an outside keypad, built in kayak racks and a side collapsible screen door. There is a screen door that leads from the kitchen into the garage as well. The covered porch in the back of the home is a great oasis! It has a ceiling fan and does not get direct sunlight, so it stays cool even on those hot Florida days. The front door boasts a beautiful glass storm door as well as a skylight in the foyer. The home also has a TV antenna that gets many local tv stations without paying for cable. The home also has an inside switch that alerts neighbors and the community service patrols to any emergencies in the home. Spruce Creek South residents enjoy: 18-hole golf course with restaurant and bar in the clubhouse, nature walk with several miles of trails, 25,000 sq ft Clubhouse and fitness center with hobby/game rooms, library, billiards, craft room, social spaces and many event rooms. There is a community swimming pool and spa, sauna in the locker room of the fitness center, tennis and pickleball courts, softball and many other active social clubs. Conveniently located near shopping, dining, medical facilities, and The Villages. Best of all, Spruce Creek doesn't have bonds! Experience easy Florida living in a vibrant, welcoming community. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,134
Sqft
0.26 ac
Lot size
1
Garage
1992
Year built
One
Levels
$185
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.
$1,888 /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
$1,888/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
−4.5%
$/sqft vs Summerfield actives
$185 vs $190
Days on market
167 vs 50 typical
Where $185/sqft sits among the 347 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 347
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 17945 SE 104TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$275,000
2007 RIOS COURT
2 bd · 2 ba · 1,139 sqft · $241/sqft · 28 DOM
Sold · Apr ’26$230,000
2815 BARBOZA DRIVE
2 bd · 2 ba · 1,121 sqft · $205/sqft · 2 DOM
Sold · Sep ’25$269,000
1206 BALLESTEROS DRIVE
2 bd · 2 ba · 1,148 sqft · $234/sqft · 3 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 17945 SE 104TH TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17945 SE 104TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
17945 SE 104TH TERRACE FAQs
What would the monthly payment be for 17945 SE 104TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,888/mo — principal and interest, the actual property-tax bill, the $180/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 17945 SE 104TH TERRACE?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17945 SE 104TH TERRACE?+
The most recent tax bill on record (2025) was $2,638. 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 17945 SE 104TH TERRACE?+
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 $209,900, this home is listed about 28% below the Summerfield median of $289,750. The market section on this page shows how the area is trending.
Which schools are assigned to 17945 SE 104TH 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.
The brief
Three things that matter here
01Under the SUMMERFIELD 34491 market on paper
$209,900 is 24% below the SUMMERFIELD 34491 median of $274,900, and at $185/sqft it sits under the Summerfield average of $247.
02Time on market is leverage
167 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 $222,900, now $209,900 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ERA GRIZZARD REAL ESTATE · Lori Davis. MLS #G5108782.
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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