9845 SE 138TH LOOP, SUMMERFIELD, FL, 34491
Active138 days on marketListed Mar 7, 2026MLS #GC538263
About this home
9845 SE 138TH LOOP
**Photos coming soon++ Welcome to easy living in the sought-after Spruce Creek Golf & Country Club in Summerfield. This charming 2-bedroom, 2-bath home offers comfort, convenience, and the relaxed lifestyle this premier 55+ community is known for. Inside, you’ll find a bright and inviting layout with all new appliances and plenty of space to relax or entertain. Major updates include a brand-new roof, giving peace of mind for years to come. The home can also be sold furnished, making it a perfect turnkey option for seasonal residents, full-time living, or an easy investment opportunity. Located in one of Central Florida’s most desirable active adult communities, residents of Spruce Creek enjoy championship golf, resort-style amenities, clubs, dining, pools, fitness centers, and endless social activities. If you’re looking for a low-maintenance home with great updates in a vibrant community, this one is ready to welcome you home. Schedule your private showing today and start enjoying the Spruce Creek lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,638
Sqft
0.19 ac
Lot size
2
Garage
1999
Year built
One
Levels
$168
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.
$2,438 /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
$2,438/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
−6.8%
$/sqft vs Summerfield actives
$168 vs $189
Days on market
138 vs 50 typical
Where $168/sqft sits among the 357 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
$285K → $258K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
169 of 357
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 9845 SE 138TH LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$347,450
10604 SE 146TH LANE
3 bd · 2 ba · 1,642 sqft · $212/sqft · 278 DOM
Sold · Jul ’26$285,000
9799 SE 144TH STREET
2 bd · 2 ba · 1,632 sqft · $175/sqft · 3 DOM
Sold · Sep ’25$320,000
8779 SE 141ST LANE ROAD
2 bd · 2 ba · 1,627 sqft · $197/sqft · 16 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
Chris Shouse
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9845 SE 138TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9845 SE 138TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Chris's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9845 SE 138TH LOOP FAQs
What would the monthly payment be for 9845 SE 138TH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,438/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 9845 SE 138TH LOOP?+
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 9845 SE 138TH LOOP?+
The most recent tax bill on record (2025) was $3,883. 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 9845 SE 138TH LOOP?+
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 $275,000, this home is listed about 5% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9845 SE 138TH LOOP?+
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
01Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
02Time on market is leverage
138 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 $279,000, now $275,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MOMENTUM REALTY - GAINESVILLE · Chelsey Grove. MLS #GC538263.
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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