11985 SE 91ST CIRCLE, SUMMERFIELD, FL, 34491
Active0 days on marketListed Aug 26, 2026MLS #OM730988
About this home
11985 SE 91ST CIRCLE
Don’t miss this exceptional Citation model in Del Webb Spruce Creek Golf & Country Club, one of Summerfield’s favorite 55+ communities. Bright, fresh, and beautifully maintained, this home features new landscaping and sod, plus a 10' x 21' paver patio ideal for outdoor living. Inside, thoughtful updates include hardwood and engineered hardwood flooring, quartz kitchen countertops, bright cabinetry with pull-out shelving, updated lighting, and newer LG kitchen appliances, including a stove with air fryer. A beveled glass front door with storm door brings in abundant natural light, while the primary bath offers a new frameless glass shower enclosure. The partially enclosed lanai with CAT III windows opens to a screened lanai under roof and continues to the backyard patio. Additional highlights include a 2021 roof, 2022 HVAC, 2026 ceiling and wall re-piping, fresh exterior paint, and an extended 25' deep garage. The seller is offering a 1-year Broward Factory Service Home Warranty with an acceptable offer. Call today to schedule your showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,591
Sqft
0.15 ac
Lot size
2
Garage
2006
Year built
One
Levels
$214
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.
$2,811 /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
$2,811/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
+9.7%
Days on market
0 vs 53 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
$279K → $269K
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 21% 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11985 SE 91ST CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11985 SE 91ST CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11985 SE 91ST CIRCLE FAQs
What would the monthly payment be for 11985 SE 91ST CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,811/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 11985 SE 91ST CIRCLE?+
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 11985 SE 91ST CIRCLE?+
The most recent tax bill on record (2025) was $3,432. 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 11985 SE 91ST CIRCLE?+
The listing reports pets: 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 $339,900, this home is listed about 17% above the Summerfield median of $291,200. The market section on this page shows how the area is trending.
Which schools are assigned to 11985 SE 91ST CIRCLE?+
Harbour View Elementary School (elementary), Lake Weir Middle School (middle), Belleview High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Jaylene Sheldon. MLS #OM730988.
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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