
16364 SE 89TH TERRACE, SUMMERFIELD, FL, 34491
Active94 days on marketListed Jul 9, 2026MLS #G5114790
About this home
16364 SE 89TH TERRACE
NO HOA • TWO LOTS / NEARLY ½ ACRE • $20,000 SELLER CONCESSION • OVERSIZED GARAGE • ORIGINAL OWNER Looking for a 3-BEDROOM, 2-BATH HOME in SUMMERFIELD, FLORIDA with NO HOA, nearly HALF AN ACRE, an OVERSIZED GARAGE and room for a future POOL or expanded outdoor living? This exceptionally maintained home in desirable ORANGE BLOSSOM HILLS sits on TWO .22-ACRE LOTS, approximately .44 ACRE combined, offering something increasingly hard to find—SPACE AND PRIVACY. READY TO MAKE A DEAL! SELLER IS OFFERING UP TO $20,000 IN BUYER CONCESSIONS! The concession may be used toward a NEW ROOF, INTEREST-RATE BUYDOWN, CLOSING COSTS or other allowable buyer expenses, subject to lender and contract requirements. BRING US AN OFFER—SELLER IS WILLING TO NEGOTIATE! Built in December 2013 and lovingly cared for by its ORIGINAL OWNER, this home reflects exceptional pride of ownership. If there were an award for the BEST-MAINTAINED HOME in Summerfield, this one might just take home the Gold Medal! The TWO-LOT HOMESITE is one of this property's standout features. With approximately .44 ACRE combined and NO HOA, you'll have room to enjoy greater separation from neighboring homes, expand your outdoor living space, create a garden or explore adding a pool. Beautiful landscaping and DESIGNER STAMPED CONCRETE on the driveway, sidewalk and front porch create an inviting first impression. The EXPANDED DRIVEWAY leads to an impressive 21x27 OVERSIZED GARAGE. Inside, the bright OPEN FLOOR PLAN features tile flooring, PLANTATION SHUTTERS, a convenient floor outlet, beautiful LEADED-GLASS FRONT DOOR and storm door with retractable screens. The kitchen combines style and function with GRANITE COUNTERTOPS, SOFT-CLOSE SOLID WOOD CABINETRY, tile backsplash and a TOUCHLESS FAUCET. A cheerful BREAKFAST NOOK with a large picture window overlooks the property. The spacious PRIMARY SUITE features a tray ceiling, Berber carpet and WALK-IN CLOSET with custom shelving. The EN SUITE BATHROOM offers a SOAKING TUB, ROMAN SHOWER and elevated toilet. A POCKET DOOR separates the GUEST WING for additional privacy. One guest bedroom features Berber carpet and plantation shutters. The second offers tile flooring plus a BUILT-IN DESK AND MURPHY BED, ideal for a HOME OFFICE, CRAFT ROOM or flexible guest space. Step outside to the COVERED AND SCREENED LANAI, a comfortable place to relax and enjoy the Florida weather and spacious property. Need STORAGE OR WORKSHOP SPACE? The property includes TWO STORAGE SHEDS, while the 21x27 GARAGE features built-in cabinets, additional electrical outlets and ATTIC STORAGE. Additional features include OUTDOOR ELECTRICAL OUTLETS, WATER SOFTENER and a recently replaced 50-GALLON WATER HEATER. NO HOA • TWO .22-ACRE LOTS • APPROX. .44 ACRE • 3 BEDROOMS • 2 BATHROOMS • 21x27 OVERSIZED GARAGE • TWO STORAGE SHEDS • SCREENED LANAI • GRANITE COUNTERTOPS • SOLID WOOD CABINETRY • PLANTATION SHUTTERS • HOME OFFICE/MURPHY BED • ORIGINAL OWNER • $20,000 SELLER CONCESSION Homes in SUMMERFIELD, FLORIDA offering this combination of NO HOA, nearly HALF AN ACRE, TWO LOTS, an OVERSIZED GARAGE and exceptional care are hard to find. COME SEE why this ORANGE BLOSSOM HILLS property truly stands apart!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,815
Sqft
0.44 ac
Lot size
2
Garage
2013
Year built
One
Levels
$262
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 — not generic estimates.
$3,389 /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
$3,389/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
+47.5%
$/sqft vs Summerfield actives
$262 vs $184
Days on market
94 vs 70 typical
Where $262/sqft sits among the 377 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 → $270K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
174 of 377
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 16364 SE 89TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$335,000
8368 SE 176TH LAWSON LOOP
3 bd · 2 ba · 1,785 sqft · $188/sqft · 15 DOM
Sold · Jan ’26$375,000
9058 SE 177TH GRASSMERE STREET
3 bd · 2 ba · 1,764 sqft · $213/sqft · 22 DOM
Sold · Mar ’26$247,500
9948 SE 175TH PLACE
2 bd · 2 ba · 1,878 sqft · $132/sqft · 278 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16364 SE 89TH TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16364 SE 89TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16364 SE 89TH TERRACE FAQs
What would the monthly payment be for 16364 SE 89TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,389/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 16364 SE 89TH TERRACE?+
The most recent tax bill on record (2025) was $2,670. 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 $475,000, this home is listed about 64% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 16364 SE 89TH TERRACE?+
Harbour View Elementary School (elementary), Belleview Middle School (middle), Belleview 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 REAL BROKER, LLC · Kimberly McElroy LLC. MLS #G5114790.
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.
Never miss a listing
New Summerfield homes, in your inbox
Like 16364 SE 89TH TERRACE but not quite? A daily digest of every new listing in Summerfield — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →


