
13171 SE 97TH TERRACE ROAD, SUMMERFIELD, FL, 34491
Active1 days on marketListed Aug 18, 2026MLS #G5116630
About this home
13171 SE 97TH TERRACE ROAD
SPRUCE CREEK DEL WEBB | 2 BEDROOMS | 2 BATHS | 2,000+ SQ FT | NO REAR NEIGHBORS | SCREENED LANAI | NO CARPET | GATED GOLF COMMUNITY! THIS IS THE ONE YOU'VE BEEN WAITING FOR! Located in the golf community of Spruce Creek Del Webb in Summerfield, this spacious home delivers the combination buyers are searching for—OVER 2,000 SQ FT, a flexible open floor plan, multiple living spaces, an extended screened lanai, and a peaceful backyard with NO REAR NEIGHBORS! From the moment you arrive, the maintained exterior, mature landscaping, set the stage for what's inside. Step through the front door into an formal living and dining area featuring HIGH CEILINGS, plantation shutters, and luxury vinyl plank flooring. Even better—NO CARPET! The spacious kitchen sits at the heart of the home and was designed for gathering and entertaining. Featuring stainless steel appliances, abundant cabinetry and counter space, a center island, and additional seating, the kitchen opens to the dinette, family room, and light-filled bonus room, keeping everyone connected while still providing plenty of space to spread out. And don't overlook the BONUS ROOM! Surrounded by windows and filled with natural light, this versatile space could easily become a hobby room, reading retreat, game area, or additional entertaining space. A built-in desk just off the kitchen provides a dedicated workspace and also offers the potential for conversion to an interior laundry/utility room. The guest bedroom conveniently located near the second full bath featuring a tub/shower combination. The spacious primary suite is a true retreat with a beautiful BAY WINDOW overlooking the backyard, walk-in closet, and private bath with walk-in shower. Then step outside—and THIS may become your favorite part of the home! A covered patio flows into an EXTENDED SCREENED LANAI overlooking a tranquil backyard with NO REAR NEIGHBORS. Morning coffee, evening cocktails, entertaining friends, or simply enjoying the Florida weather—this outdoor living space gives you room to enjoy it all. But the home is only part of what makes this opportunity so special. Spruce Creek Del Webb offers an incredible array of amenities and activities, including approximately 70 clubs and interest groups, a full-time activities director, indoor AND outdoor pools, hot tub, pickleball, tennis, bocce ball, shuffleboard, horseshoes, volleyball, softball, billiards, RV storage, and 36 HOLES OF MULTI-TEE CHAMPIONSHIP GOLF! Homes offering THIS MUCH SPACE, NO REAR NEIGHBORS, an EXTENDED SCREENED LANAI, NO CARPET, and access to an amenity-rich gated golf community deserve attention. Don't wait to discover why Spruce Creek Del Webb continues to be a must see! Schedule your private showing and experience this home for yourself!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,121
Sqft
0.18 ac
Lot size
2
Garage
2001
Year built
One
Levels
$165
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.
$2,942 /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
$2,942/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
−11%
$/sqft vs Summerfield actives
$165 vs $187
Days on market
1 vs 50 typical
Where $165/sqft sits among the 351 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
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 → $267K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
178 of 351
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 13171 SE 97TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$340,000
13968 SE 96TH CIRCLE
3 bd · 2 ba · 2,120 sqft · $160/sqft · 130 DOM
Sold · Dec ’25$387,500
9603 SE 137TH STREET ROAD
3 bd · 2 ba · 2,126 sqft · $182/sqft · 117 DOM
Sold · Dec ’25$420,000
14420 SE 95TH COURT
3 bd · 2 ba · 2,180 sqft · $193/sqft · 108 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 13171 SE 97TH TERRACE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13171 SE 97TH TERRACE ROAD — 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
13171 SE 97TH TERRACE ROAD FAQs
What would the monthly payment be for 13171 SE 97TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,942/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 13171 SE 97TH TERRACE ROAD?+
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 13171 SE 97TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $4,308. 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 13171 SE 97TH TERRACE ROAD?+
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 $349,000, this home is listed about 20% above the Summerfield median of $289,990. The market section on this page shows how the area is trending.
Which schools are assigned to 13171 SE 97TH TERRACE ROAD?+
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
01Positioned at the premium end
$349,000 runs 27% above the SUMMERFIELD 34491 median — but at 2,121 sqft it's also 31% larger than the typical Summerfield listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Summerfield market that averages 50 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MORRIS REALTY AND INVESTMENTS · Kim Ducharme-Levensohn. MLS #G5116630.
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 13171 SE 97TH TERRACE ROAD 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 German to ping you on any price or status change →


