10434 SE 178TH PLACE, SUMMERFIELD, FL, 34491
Active1 days on marketListed Oct 9, 2026MLS #G5118809
About this home
10434 SE 178TH PLACE
Welcome home to Florida Life! This highly sought-after Pecan Model is located on a rare, oversized quarter-acre lot (0.25 acres) in the premier 55+ gated golf course and golf-cart community of Spruce Creek South in Summerfield, FL. Offering an exceptional layout with a massive amount of privacy, this beautifully maintained property features 2 bedrooms, 2 bathrooms, an attached 2-car garage, and a dedicated, extended golf cart garage—offering a generous 1,008 sq. ft. of climate-controlled living space and 1,731 sq. ft. under roof. Interior & Architectural Highlights: Step through the welcoming covered front porch—perfect for relaxing year-round. Step into a functional, open-concept floor plan. Durable laminate flooring spans the entry, and tile flooring throughout the kitchen, dining room, and bathrooms. Indoor & Outdoor Living: Entertainment options abound with a beautiful, 15' x 9' glass-enclosed Florida room/lanai great for entertaining and relaxing year-round that seamlessly transitions to a backyard concrete covered enclosed patio. Positioned between the lanai and the extended golf cart garage, this outdoor space offers maximum privacy within your fully fenced-in backyard and matured landscaping for privacy. The Location & Lifestyle: Situated right off the vibrant US Hwy 441/27 commercial corridor, you are just 2 miles from Spanish Springs Town Square and 7 miles from Lake Sumter Landing in The Villages. Enjoy instant access to daily shopping, premium dining, and free nightly live entertainment with a different band every single night! World-Class Community Amenities: Spruce Creek South offers an active, resort-style retirement culture. Residents enjoy access to a spectacular 16,000+ sq. ft. clubhouse packed with a fitness center, billiards, a grand ballroom, and an endless social calendar. Outdoor enthusiasts can take advantage of the championship golf course, tennis courts, pickleball, shuffleboard, and a community softball field. Unbeatable Value: An incredible investment opportunity at this price point. Explore the photos and the immersive Matterport 3D virtual tour. Contact me or your agent today to schedule your private tour and start living your Florida dream!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0.25 ac
Lot size
1991
Year built
One
Levels
$223
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.
$1,985 /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
$1,985/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
+22.2%
$/sqft vs Summerfield actives
$223 vs $184
Days on market
1 vs 70 typical
Where $223/sqft sits among the 376 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 376
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 10434 SE 178TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$188,000
10525 SE 178TH STREET · same community
2 bd · 2 ba · 1,008 sqft · $187/sqft · 65 DOM
Sold · Oct ’25$295,000
1244 CARVELLO DRIVE
2 bd · 2 ba · 1,099 sqft · $268/sqft · 9 DOM
Sold · Nov ’25$240,000
1106 CARVELLO DRIVE
2 bd · 2 ba · 1,121 sqft · $214/sqft · 457 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 10434 SE 178TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10434 SE 178TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10434 SE 178TH PLACE FAQs
What would the monthly payment be for 10434 SE 178TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,985/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 10434 SE 178TH PLACE?+
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 10434 SE 178TH PLACE?+
The most recent tax bill on record (2025) was $2,659. 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 10434 SE 178TH PLACE?+
The listing reports pets: 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 10434 SE 178TH PLACE?+
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
01Under the SUMMERFIELD 34491 market on paper
$224,900 is 18% below the SUMMERFIELD 34491 median of $274,945, and at $223/sqft it sits under the Summerfield average of $228.
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 70 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Gerrie Cosme Matias. MLS #G5118809.
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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