12456 SE 92ND TERRACE, SUMMERFIELD, FL, 34491
Active17 days on marketListed Sep 24, 2026MLS #OM732805
About this home
12456 SE 92ND TERRACE
Set on nearly one-third of an acre, this Santa Rosa model features a split two-bedroom, two-bath layout with a den, an oversized tiled lanai under heat and air, and an extended garage. The front porch leads to an entry door with a sidelight and transom window. From the foyer, the den with French doors is to the left, the living and dining rooms are straight ahead, and the kitchen is to the right. The kitchen includes an island and a bright eat-in area surrounded by windows. The spacious primary bedroom opens to the lanai and includes an ensuite with a separate garden tub and shower, private water closet, dual-sink vanity, and large walk-in closet. The hallway offers both a large storage closet and a coat closet. The laundry room connects the home to the oversized garage, which includes pull-down attic storage, a utility sink, and a side service door. The extended lanai features windows on all sides, ceiling fans, a tiled floor, and access to a pleasant rear patio. The roof was replaced in 2019, the HVAC system in 2022, and the water heater in 2016. All ductwork was replaced in March 2025. Located in the tree-canopied Del Webb Spruce Creek Golf & Country Club, this gated 55+ community offers outstanding amenities, four 9-hole golf courses, 3 pools, pickleball and tennis courts, volleyball, shuffleboard, bocce ball, basketball courts, horseshoes, softball field, Liberty Grille Restaurant and more than 70 clubs. Conveniently situated north of The Villages and south of Ocala, it is close to fine dining, shopping, and entertainment. (Virtually Staged Photos)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,016
Sqft
0.3 ac
Lot size
2
Garage
2001
Year built
One
Levels
$171
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.
$2,784 /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
$2,784/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
+16.1%
$/sqft vs SPRUCE CREEK GC
$171 vs $188
Days on market
17 vs 70 typical
Where $171/sqft sits among the 62 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
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 62
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 12456 SE 92ND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$335,000
9037 SE 136TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $165/sqft · 75 DOM
Sold · Jun ’26$358,000
9910 SE 138TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $177/sqft · 179 DOM
Sold · Sep ’26$265,000
13150 SE 93RD CIRCLE · same community
2 bd · 2 ba · 2,051 sqft · $129/sqft · 113 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 12456 SE 92ND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12456 SE 92ND TERRACE — 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
12456 SE 92ND TERRACE FAQs
What would the monthly payment be for 12456 SE 92ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,784/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 12456 SE 92ND TERRACE?+
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 12456 SE 92ND TERRACE?+
The most recent tax bill on record (2025) was $2,720. 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 12456 SE 92ND TERRACE?+
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 $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 12456 SE 92ND TERRACE?+
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 #OM732805.
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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