13320 SE 97TH TERRACE ROAD, Summerfield, FL, 34491 | $429,900

GORGEOUS GOLF COURSE VIEWS - Step into this pristine 2-bedroom, (plus Den/Office/Art Studio/Craft Room) 2 1/2-bathroom home and be captivated by the golf course views of the 7th Green of the Heritage Golf Course in Del Webb's Spruce Creek Golf & Country Club community, located in Summerfield; an hour North of Orlando, 20 minutes South of Ocala and 4 miles North of The Villages, Florida. Entering through the 9' double entry front doors with beveled glass inserts, you will find yourself inside a beautiful home with wonderful appointments. The Formal Living and Dining Rooms are very large and spacious and beyond them you will find an open floor plan with a HUGE kitchen with 42" cabinets, cabinet pull-outs, Corian countertops and tile backsplash; as well as a breakfast nook and 15' x 14' Family Room with gorgeous views of nature in between the home and the golf course. This home has a split bedroom plan (Primary Bedroom has a BRAND NEW waterproof stranded bamboo floor) and an inside laundry room. You will not find a bigger garage than this one, which includes a workshop, parking for 2 cars and a tandem golf cart garage, serviced with a side door to the outside. The home's Roof was replaced in 2018, Generator installed in 2018 and HVAC System in 2017. There are plantation shutters throughout EXCEPT on the back of the home, which would only block the beautiful views outside. There is also crown moldings through-out and 5' basebords. The home is in exceptional condition. Offering a 1 Year Broward Factory Home Warranty. Discover your forever home - schedule a tour today to experience this home first hand.

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Golf Course, Pickleball Court(s), Pool, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Trail(s), Vehicle Restrictions, Wheelchair Access
  • Rooms: 10
  • Bedrooms: 2
  • Baths: 2 full / 1 half
  • Lot Size: 94 x 107
  • Laundry: Inside, Laundry Room
  • Year Built: 2000
  • Garage: 3-car Driveway, Garage Door Opener, Golf Cart Garage, Workshop in Garage
  • Heating: Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 2,346
  • Acreage: 0.23
  • Lot Size: 94 x 107
  • Est. Taxes: $3,931
  • HOA Fee: $214 Monthly
  • Lot Desc: On Golf Course, Private
  • View: Golf Course
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Ice Maker, Microwave, Range Hood, Refrigerator, Washer
  • MLS#: OM704998
  • Days on Market: 214 days
  • Website: https://www.raveis.com
    /prop/OM704998/13320se97thterraceroad_summerfield_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/15/2026 10:47:07 AM)
Listing courtesy of RE/MAX PREMIER REALTY LADY LK   Phone: 352-753-2029

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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13320 SE 97TH TERRACE ROAD, Summerfield, FL, 34491

$429,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $343,920 $343,920 $343,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.137% 6.132% 5.396%
Monthly Tax Payment $328 $328 $328
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,926 $2,060 $2,742
Total Monthly Payment $2,329 $2,463 $3,145

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.