13103 SE 86TH COURT, SUMMERFIELD, FL, 34491
Active6 days on marketListed Sep 15, 2026MLS #OM732157
About this home
13103 SE 86TH COURT
A spacious Kingston model is now available in Firethorne. This 3-bedroom, 2-bath home features a screened lanai and birdcage with a Sunbrella top (20 x 48). Recent updates include a 2022 HVAC system, 2024 water heater, 2017 re-piping, 2013 roof replacement, and a whole-house water filtration system. The large kitchen offers 42-inch cabinets, an attractive backsplash, and plenty of opportunity for customization. Nearby, you’ll find a built-in office space and an extended garage with tandem golf cart parking and generous storage. Crown molding adds elegance to the dining room, living room, and tray ceiling in the primary bedroom. The primary bath includes a frameless shower with built-in seating and a private water closet. Additional highlights include double-door entry with oval designer glass inserts, a double Phantom screen, and a designer-painted, textured driveway and sidewalk for added curb appeal. Set on a large irregular lot directly across from the Firethorne pond, the property offers beautiful views and a sense of privacy. Residents of Del Webb’s Spruce Creek Golf & Country Club enjoy more than 70 clubs and extensive amenities, including basketball, bocce ball, pickleball, tennis, softball, shuffleboard, three swimming pools, a state-of-the-art fitness center, hot tubs, water and sand volleyball, a community center, and Liberty Grille Restaurant. The seller is also offering a one-year Broward Factory Service home warranty. Contact us today to schedule a private showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,413
Sqft
0.28 ac
Lot size
2
Garage
2005
Year built
One
Levels
$166
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.
$3,164 /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
$3,164/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
+1.5%
$/sqft vs SPRUCE CREEK GC
$166 vs $192
Days on market
6 vs 53 typical
Where $166/sqft sits among the 61 homes for sale in SPRUCE CREEK GC
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)
22 of 61
SPRUCE CREEK GC 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 13103 SE 86TH COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$365,000
13195 SE 93RD CIRCLE · same community
3 bd · 2.5 ba · 2,266 sqft · $161/sqft · 177 DOM
Sold · Sep ’25$390,000
13165 SE 93RD CIRCLE · same community
3 bd · 2.5 ba · 2,261 sqft · $172/sqft · 77 DOM
Sold · Feb ’26$519,000
12971 SE 90TH COURT ROAD · same community
3 bd · 2 ba · 2,581 sqft · $201/sqft · 1 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13103 SE 86TH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13103 SE 86TH COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13103 SE 86TH COURT FAQs
What would the monthly payment be for 13103 SE 86TH COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,164/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 13103 SE 86TH COURT?+
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 13103 SE 86TH COURT?+
The most recent tax bill on record (2025) was $3,104. 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 13103 SE 86TH COURT?+
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 $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 13103 SE 86TH COURT?+
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 RE/MAX PREMIER REALTY LADY LK · Jaylene Sheldon. MLS #OM732157.
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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