8970 SE 118TH LANE, SUMMERFIELD, FL, 34491
Active20 days on marketListed Sep 21, 2026MLS #OM732597
About this home
8970 SE 118TH LANE
LOCATION, LOCATION, LOCATION! How would you like a 10-ACRE BACKYARD THAT YOU DON’T HAVE TO MAINTAIN? This beautiful home backs to a dedicated 10-acre common area/dry retention area that is attractively maintained and groomed, providing an expansive open view from the main living areas and screened lanai. Built with solid block-and-stucco construction, this was also one of the last homes built in the community, making it one of the newer homes to come to market. This home is being offered as nearly “TURNKEY”. Beautiful leaded cut-glass double entry doors welcome you into approximately 1,948 square feet featuring 3 spacious bedrooms. The desirable split-bedroom floor plan provides privacy for owners and guests, with the secondary bedrooms located opposite the private primary suite. 18-inch tile laid on the diagonal enhances the main living areas, while mature landscaping adds to the home’s attractive curb appeal. Step outside to the impressive 32' x 10' screened lanai featuring a River Rock floor—the perfect place to relax, entertain, and enjoy the peaceful view of the beautifully maintained common area. It feels like having your own enormous backyard without the mowing or upkeep! The primary suite offers a spacious bath featuring a soaking tub, separate glass-enclosed shower, and double vanity. Additional highlights include a 2023 ROOF and mature landscaping surrounding the property. Located in award-winning Del Webb Spruce Creek Golf & Country Club, a gated 3,250-home active 55+ community offering an outstanding Florida lifestyle. Residents enjoy 70+ clubs and activities, 3 swimming pools, 3 spas, clubhouse, fitness center, bocce, shuffleboard, 12 lighted pickleball courts, 7 lighted tennis courts, sand and water volleyball, scenic walking paths, Lake Vista Gazebo, pavilions, Liberty Grille Restaurant, and four 9-hole golf courses. The community’s signature tree-lined boulevard provides a welcoming setting you’ll love coming home to. Don’t miss this opportunity to own one of the community’s newer homes with a truly special setting and an incredible 10-acre view right outside your back door! Schedule your private showing today and start enjoying the Del Webb lifestyle!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,958
Sqft
0.17 ac
Lot size
2
Garage
2005
Year built
One
Levels
$176
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.
$3,003 /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
$3,003/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
−11.6%
$/sqft vs SPRUCE CREEK GC
$176 vs $187
Days on market
20 vs 70 typical
Where $176/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 → $270K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
20 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 25% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 8970 SE 118TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$430,000
13068 SE 89TH CIRCLE · same community
2 bd · 2 ba · 1,958 sqft · $220/sqft · 2 DOM
Sold · Apr ’26$320,000
13166 SE 86TH CIRCLE · same community
2 bd · 2 ba · 1,913 sqft · $167/sqft · 94 DOM
Sold · Jun ’26$335,000
9037 SE 136TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $165/sqft · 75 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8970 SE 118TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8970 SE 118TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8970 SE 118TH LANE FAQs
What would the monthly payment be for 8970 SE 118TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,003/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 8970 SE 118TH LANE?+
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 8970 SE 118TH LANE?+
The most recent tax bill on record (2025) was $5,349. 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 8970 SE 118TH LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $344,900, this home is listed about 19% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 8970 SE 118TH 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.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NGR- SUMMERFIELD · Virgil Kapp. MLS #OM732597.
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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