
17965 SE 102ND TERRACE, SUMMERFIELD, FL, 34491
Active12 days on marketListed Sep 29, 2026MLS #S5158562
About this home
17965 SE 102ND TERRACE
Turn-key, beautifully remodeled, and just steps from the golf course! Located within a private, gated 55+ golf community in Summerfield, this updated 2-bedroom, 2-bath home offers an affordable opportunity to enjoy the Florida lifestyle with many of the major improvements already completed. Step inside to an open and spacious living area complemented by brand-new flooring throughout, fresh interior paint, contemporary lighting, and modern finishes. The updated kitchen and bathrooms feature granite countertops, modern cabinetry, and upgraded fixtures, creating a clean, refreshed feel throughout the home. One of the highlights is the large, fully air-conditioned sunroom, providing additional space to relax, entertain, or enjoy year-round. Multiple outdoor areas offer even more opportunities to enjoy Florida's sunshine and surroundings. Major improvements include a brand-new roof and a newly sealed epoxy driveway completed in July 2026, adding to the home's move-in-ready appeal. The property is also being offered with brand-new furniture, fixtures, and fittings included, making this an especially convenient option for buyers looking for a seasonal residence, snowbird getaway, or full-time Florida home. The home is located just steps from the scenic Spruce Creek Golf Course, while residents can also enjoy community amenities including golf, a clubhouse, swimming pool, recreational activities, and more, all centered around an active 55+ lifestyle. Conveniently located near shopping, dining, medical facilities, and everyday necessities, with easy access to The Villages, Ocala, and Belleview. Buyers are encouraged to verify all property and community information, included furnishings, renovations, measurements, features, and improvements and to complete any inspections and due diligence they deem necessary. All information is deemed reliable but is not guaranteed.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,296
Sqft
0.28 ac
Lot size
2
Garage
1991
Year built
One
Levels
$189
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.
$2,192 /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
$2,192/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
+11.2%
$/sqft vs Summerfield actives
$189 vs $184
Days on market
12 vs 70 typical
Where $189/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 11% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 17965 SE 102ND 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$145,000
17965 SE 102ND TERRACE · same community
2 bd · 2 ba · 1,296 sqft · $112/sqft · 120 DOM
Sold · Jul ’26$255,000
10195 SE 178TH PLACE · same community
3 bd · 2 ba · 1,852 sqft · $138/sqft · 112 DOM
Sold · Mar ’26$310,000
2109 SUAREZ COURT
2 bd · 2 ba · 1,248 sqft · $248/sqft · 133 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 17965 SE 102ND TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17965 SE 102ND TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
17965 SE 102ND TERRACE FAQs
What would the monthly payment be for 17965 SE 102ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,192/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 17965 SE 102ND TERRACE?+
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 17965 SE 102ND TERRACE?+
The most recent tax bill on record (2025) was $3,613. 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 17965 SE 102ND 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 $245,000, this home is listed about 15% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 17965 SE 102ND 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 REAL BROKER, LLC · Jodenny Ogando. MLS #S5158562.
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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