9630 SE 165TH LANE, SUMMERFIELD, FL, 34491
Active179 days on marketListed Apr 15, 2026MLS #OM722898
Come see it
Upcoming open houses
Sat, Oct 17
11:00 AM – 3:00 PM
Welcome home!
Sat, Oct 17
11:00 AM – 3:00 PM
Broker
About this home
9630 SE 165TH LANE
YOUR FLORIDA RETREAT—SPACE TO LIVE, WORK, AND RELAX! Enjoy approximately 2,429 square feet with four bedrooms, two-and-a-half baths, and generously sized rooms in Hilltop Estates. A private office or den offers a quiet space to work from home, while the flexible floor plan allows room for additional workspaces, hobbies, and visiting loved ones. Spacious living and dining areas welcome gatherings, and the large bonus room is ideal for crafts, fitness, games, or a media room. The primary suite includes a walk-in closet and an accessible ensuite bathroom. Outside, enjoy a covered front porch, landscaped yard, workshop, storage building, and oversized RV carport for your RV, boat, golf cart, or vehicles. Hilltop Estates is a resident-owned 55+ community where only one resident in the household needs to be age 55 or older. You own the land, with NO CDD fees and NO Bond. Monthly HOA dues include water, sewer, trash service, and community amenities, including a clubhouse, heated pool, spa, pickleball, shuffleboard, and social activities. Conveniently located near The Villages®, the VA Clinic on Mulberry Lane, shopping, dining, and healthcare. HOA dues are paid through December 2026, a home warranty is included, and a possible turnkey option may be available. Whether a winter retreat or year-round home, discover room to work comfortably, welcome guests, and enjoy Florida living.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,429
Sqft
0.34 ac
Lot size
1998
Year built
One
Levels
$103
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.
$2,187 /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
$2,187/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
+0.1%
$/sqft vs Summerfield actives
$103 vs $184
Days on market
179 vs 70 typical
Where $103/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)
175 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 9% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 9630 SE 165TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$200,000
16681 SE 96TH COURT · same community
2 bd · 2 ba · 1,284 sqft · $156/sqft · 149 DOM
Sold · Aug ’26$122,500
16591 SE 96TH AVENUE · same community
2 bd · 2 ba · 958 sqft · $128/sqft · 202 DOM
Sold · Oct ’25$640,000
8990 SE 178TH MUIRFIELD PLACE
4 bd · 3 ba · 2,350 sqft · $272/sqft · 220 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 9630 SE 165TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9630 SE 165TH LANE — 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
9630 SE 165TH LANE FAQs
What would the monthly payment be for 9630 SE 165TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,187/mo — principal and interest, the actual property-tax bill, the $260/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 9630 SE 165TH LANE?+
The association fee works out to $260 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9630 SE 165TH LANE?+
The most recent tax bill on record (2024) was $2,291. 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 9630 SE 165TH LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 $249,000, this home is listed about 14% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9630 SE 165TH LANE?+
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
Four things that matter here
01Under the SUMMERFIELD 34491 market on paper
$249,000 is 9% below the SUMMERFIELD 34491 median of $274,945, and at $103/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.
03Time on market is leverage
179 days on market against a Summerfield median of 70 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $272,000, now $249,000 — a $23K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cassandra Gardner. MLS #OM722898.
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 9630 SE 165TH LANE 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 Gianfranco to ping you on any price or status change →