16049 SE 89TH TERRACE, SUMMERFIELD, FL, 34491
Active4 days on marketListed Sep 17, 2026MLS #O6442821
About this home
16049 SE 89TH TERRACE
One-owner home built in 2020 and owned since new. This spacious 4-bedroom, 2-bath home features 2,339 sq. ft. of heated and cooled living space on approximately 0.24 acres with NO HOA. Smoke-free and pet-free since new, the home features generous living areas, a well-equipped kitchen with stainless-steel appliances, dimmable lighting, and an open connection to the main living spaces. Range, built-in microwave and dishwasher are included. Ceiling fans with lights throughout the living spaces and window blinds are also included. A separate den provides flexible space for a home office, study, hobby room, or additional sleeping space. Enjoy the covered lanai overlooking a fully fenced and landscaped backyard. The property features custom-built fencing, front and rear landscaping, a custom-built storage shed, gutters, and an owner-installed sprinkler and flower-bed irrigation system. Additional features include a 2-car garage, floored attic storage above the garage, automatic-sensing lights in the garage and laundry area, programmable dusk-to-dawn front lighting, surround-view security camera system and doorbell camera system-both included with the home. Private well and septic. Original construction and major installation information has been retained by the owner. With no HOA, ample indoor and outdoor living space, extensive storage and numerous practical features, this Summerfield home is ready for its next owner.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,339
Sqft
0.24 ac
Lot size
2
Garage
2020
Year built
One
Levels
$171
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.
$3,021 /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
$3,021/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
+16.9%
$/sqft vs Summerfield actives
$171 vs $186
Days on market
4 vs 53 typical
Where $171/sqft sits among the 380 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 → $269K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
183 of 380
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 16049 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 · Jun ’26$670,000
17270 SE 85TH WILLOWICK CIRCLE
3 bd · 2 ba · 2,349 sqft · $285/sqft · 30 DOM
Sold · Jan ’26$550,000
17211 SE 85TH WILLOWICK CIRCLE
3 bd · 2 ba · 2,350 sqft · $234/sqft · 12 DOM
Sold · Mar ’26$225,000
17200 SE 97TH TERRACE
4 bd · 2 ba · 2,356 sqft · $96/sqft · 112 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16049 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 16049 SE 89TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16049 SE 89TH TERRACE FAQs
What would the monthly payment be for 16049 SE 89TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,021/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 16049 SE 89TH TERRACE?+
The most recent tax bill on record (2025) was $3,962. 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 16049 SE 89TH TERRACE?+
The listing reports pets: No. 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 $399,900, this home is listed about 37% above the Summerfield median of $291,200. The market section on this page shows how the area is trending.
Which schools are assigned to 16049 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 BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6442821.
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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