9498 SE 174TH LOOP, SUMMERFIELD, FL, 34491
Active49 days on marketListed Jun 4, 2026MLS #OM725767
About this home
9498 SE 174TH LOOP
NEW ROOF (2023) NEW HVAC (2022), NEW WATER HEATER (2024), and PROFESSIONALLY CLEANED AIR DUCTS (2024). Welcome to your own private oasis in the Beautiful Gated 55+ Golf Community of SPRUCE CREEK SOUTH, adjacent to THE VILLAGES, Florida and surrounded by everything that makes Central Florida living so desirable. Known for its active lifestyle, friendly atmosphere, and exceptional amenities. Nestled on a desirable CORNER LOT, this meticulously maintained PALM III Model built in 2003 with over 1,880 square feet under air invites you to enjoy easy Florida living with 2 Bedrooms, 2 Bathrooms, and a BRIGHT FLORIDA ROOM that serves as the perfect space to unwind with your morning coffee, entertain friends, or simply enjoy the sunshine year round. From the moment you step inside, you'll appreciate the SOARING CEILINGS AND NO POPCORN CEILINGS, open and airy feel, and stylish LUXURY VINYL PLANK FLOORING that flows throughout the home. The well-appointed kitchen is designed to please, Featuring newer appliances, NEW DEEP KITCHEN SINK, abundant cabinetry, generous counter space, and an adjacent INSIDE LAUNDRY ROOM for added convenience. Updates include NEW ROOF (2023) NEW HVAC (2022), NEW WATER HEATER (2022), and PROFESSIONALLY CLEANED AIR DUCTS (2022). One of the many highlights of this location is LEGAL GOLF CART ACCESS, allowing you to easily reach nearby shopping, restaurants, banks, medical offices, and top-rated hospitals without ever needing to get in your car. Life in Spruce Creek South feels like a year round vacation. Residents enjoy pickleball, tennis, swimming, bocce ball, scenic walking trails, and an active community center complete with a fitness room, sauna, library, billiards room, craft spaces, games, and an endless variety of clubs and social activities. Golf enthusiasts will especially appreciate the community's popular 18 hole Links Golf Course, offering beautiful fairways just moments from your front door. With convenient access to I-75, exciting day trips, entertainment, and all that Central Florida has to offers are always within easy reach. Discover why so many are proud to call Spruce Creek South home and start living the vibrant Florida lifestyle you've always imagined! (Check out the Matterport virtual under Tour 2 tab.)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,884
Sqft
0.15 ac
Lot size
2
Garage
2003
Year built
One
Levels
$154
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.
$2,417 /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
$2,417/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
−8.5%
Days on market
49 vs 50 typical
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
$285K → $258K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9498 SE 174TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9498 SE 174TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9498 SE 174TH LOOP FAQs
What would the monthly payment be for 9498 SE 174TH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,417/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 9498 SE 174TH LOOP?+
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 9498 SE 174TH LOOP?+
The most recent tax bill on record (2025) was $2,902. 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 9498 SE 174TH LOOP?+
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 $289,900, this home is priced right at the Summerfield median.
Which schools are assigned to 9498 SE 174TH 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.
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cindy Schutte. MLS #OM725767.
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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