10639 SE SUNSET HARBOR ROAD, SUMMERFIELD, FL, 34491
Active40 days on marketListed Sep 1, 2026MLS #G5116873
About this home
10639 SE SUNSET HARBOR ROAD
2021 ROOF • 2022 HVAC & HOT WATER HEATER • 2023 HEATED POOL • WATER VIEWS • MEDIA ROOM • This beautiful 4-bedroom, 3-bath pool home features gorgeous water views, offering the perfect blend of living and relaxation. Enter through the private gate, where magnificent oak trees welcome you to this exceptional pool home. The leaded-glass front door opens to an inviting entryway with tile flooring and a coat closet. The open living room and kitchen feature soaring CATHEDRAL CEILINGS and CROWN MOLDING THROUGHOUT. The living room offers wood flooring, a spacious storage closet, and French doors overlooking the pool and lake. The kitchen features tile and wood flooring, a tile backsplash, breakfast bar, stainless steel appliances, and a pantry closet. Enjoy beautiful pool and lake views from the kitchen window. The first-floor primary suite includes wood flooring, a tray ceiling, dual walk-in closets, and private pool access. The ensuite bathroom features tile flooring, a garden tub, a dual marble vanity, a walk-in shower, and a separate water closet. Three guest bedrooms offer ceiling fans and built-in closets. One is conveniently located on the first floor with wood flooring, while the two upstairs bedrooms are carpeted with built-in closets. A full guest bathroom on the first floor includes a tub-and-shower combination and tile flooring, with an additional full bathroom upstairs. The spacious upstairs MEDIA ROOM features carpeting, elevated seating, and shelving, making it perfect for movie nights or entertaining. Additional highlights include an indoor laundry room with a utility sink and extra storage, plus a side-entry two-car garage. The fabulous backyard is designed for the Florida lifestyle, featuring a screened-in HEATED SALT-WATER POOL, outdoor kitchen, large yard, and breathtaking lake views. This private retreat provides the perfect setting for entertaining guests, fishing, boating, and enjoying life on Lake Weir. PLEASE NOTE: While the property does not currently have a dock or direct water access, the sellers have received county approval to extend the existing canal to their property, offering an exciting opportunity to create direct access.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,888
Sqft
3.88 ac
Lot size
2
Garage
1997
Year built
Two
Levels
$239
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.
$4,947 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,947/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−7.6%
$/sqft vs Summerfield actives
$239 vs $184
Days on market
40 vs 70 typical
Where $239/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)
173 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 151% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10639 SE SUNSET HARBOR ROAD
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$245,000
5515 27TH STREET W · same community
3 bd · 2.5 ba · 1,576 sqft · $155/sqft · 1 DOM
Sold · Dec ’25$575,000
17093 SE 110TH COURT ROAD
3 bd · 3 ba · 2,771 sqft · $208/sqft · 13 DOM
Sold · Oct ’25$240,000
9848 SE 170TH LANE
4 bd · 2 ba · 2,359 sqft · $102/sqft · 26 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10639 SE SUNSET HARBOR ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10639 SE SUNSET HARBOR ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10639 SE SUNSET HARBOR ROAD FAQs
What would the monthly payment be for 10639 SE SUNSET HARBOR ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,947/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 10639 SE SUNSET HARBOR ROAD?+
The most recent tax bill on record (2025) was $9,661. 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 $690,000, this home is listed about 138% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10639 SE SUNSET HARBOR ROAD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$690,000 runs 151% above the SUMMERFIELD 34491 median — but at 2,888 sqft it's also nearly twice the size of the typical Summerfield listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $750,000, now $690,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Tamara Nelson-McDonald. MLS #G5116873.
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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