10190 SE 178TH STREET, SUMMERFIELD, FL, 34491
Active23 days on marketListed Sep 18, 2026MLS #OM732456
About this home
10190 SE 178TH STREET
Located in Spruce Creek South, this Pecan model home is a gem! Upon arrival, you are greeted by a lovely exterior and a welcoming front porch. Offering 2 bedrooms and 2 full bathrooms, the atmosphere is inviting and tranquil with Luxury Vinyl Tile (LVT) flooring throughout and plenty of natural light. Enjoy the recently refreshed kitchen featuring a new dishwasher, a new over-the-range microwave, and updated countertops. The spacious primary bedroom features a walk-in closet and an en-suite bath. The enclosed lanai with tile flooring is the perfect place to relax, entertain, and extend your indoor living space. The fenced-in backyard is a secure retreat with a vinyl-coated chain-link fence and an extended outdoor patio slab perfect for grilling. A new rear storm door, recently added retractable sun shades on the front porch, and outdoor motion-sensor lights add to the overall appeal. The 2-car garage is equipped with a convenient sliding screen door, offering a well-ventilated workspace or parking. This fantastic home has been lovingly maintained. Recent improvements include a 2025 roof, a 2026 water heater, and a brand-new electrical panel that meets the new regulations that went into effect in September 2026. The septic tank was also pumped this year, and new smoke alarms have been installed throughout. All of these notable features offer convenience and peace of mind. Spruce Creek South is Summerfield’s highly desirable, active 55+ community, conveniently located near The Villages. Community amenities include a community center, a heated pool with a separate jacuzzi, a fitness center, pickleball courts, a billiards room, a library, and card rooms. The opportunity to socialize is endless, with numerous classes, activities, groups, and seasonal community events with live entertainment. If you are a golf enthusiast, be sure to check out the gentle rolling greens at The Links at Spruce Creek South. Adding additional convenience to your active lifestyle, shopping, dining, and medical facilities are just a golf cart ride away. For those looking to move right in, furnishings are negotiable. There’s so much to love about this home and community! We invite you to schedule a showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0.25 ac
Lot size
2
Garage
1991
Year built
One
Levels
$228
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.
$1,977 /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
$1,977/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
+15.7%
$/sqft vs Summerfield actives
$228 vs $184
Days on market
23 vs 70 typical
Where $228/sqft sits among the 375 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)
174 of 375
Summerfield actives have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10190 SE 178TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$255,000
17970 SE 102ND COURT · same community
3 bd · 2 ba · 1,708 sqft · $149/sqft · 250 DOM
Sold · Oct ’25$232,000
17915 SE 102ND TERRACE · same community
3 bd · 2 ba · 1,726 sqft · $134/sqft · 108 DOM
Sold · Oct ’25$295,000
1244 CARVELLO DRIVE
2 bd · 2 ba · 1,099 sqft · $268/sqft · 9 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 10190 SE 178TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10190 SE 178TH STREET — 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
10190 SE 178TH STREET FAQs
What would the monthly payment be for 10190 SE 178TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,977/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 10190 SE 178TH STREET?+
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 10190 SE 178TH STREET?+
The most recent tax bill on record (2025) was $2,181. 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 10190 SE 178TH STREET?+
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 $229,999, this home is listed about 21% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10190 SE 178TH STREET?+
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 LAND TO SEA REALTY LLC · DeLisa Boling. MLS #OM732456.
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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