10435 SE 178TH PLACE, Summerfield, FL, 34491 | $290,000

NEW ARCHITECTURAL ROOF COMING SOON! (waiting for Marion Co Permit & HOA ARB sign-off/end of February) --- Welcome to this Beautifully Updated 3 Bedroom, 2 Bath Holly Model in the desirable 55+ Gated Golf Community of Spruce Creek South. This Well-Maintained home features 1, 650 sq ft of living space under Heat & Air, 2-Car Garage, plus a Florida Room (21Ft x 10Ft), ENCLOSED Rear Screened Porch, Rear Painted Concrete Patio, EXPANDED Painted Concrete Driveway (24Ft Wide), FENCED BACKYARD and WHOLE HOUSE WATER FILTRATION SYSTEM! -- The REMODELED KITCHEN (2019) features GRANITE Countertops with Bullnose Edge, GRANITE Backsplash, Bisque SOFT CLOSE Cabinets with Crown Molding, Pull-outs, Pull-out Trash Receptacle, Under Cabinet Lighting, and Whirlpool STAINLESS STEEL Appliances. A spacious Living Room flows into the Dining Room—perfect for entertaining. The SPLIT Bedroom Floorplan provides privacy, with the Owner’s Suite offering a large Walk-in Closet with Solar Tube, En-suite Bath with Walk-in Shower & Bench Seat, 6 Ft GRANITE TOPPED VANITY with Dual Undermounted Sinks, Cabinet Linen Closet, and Comfort Height Commode! The Guest Wing features a Linen Closet, both Guest Bedrooms with Ceiling Fans/Lights & Built-in Closets. The Guest Bath has a GRANITE TOPPED VANITY with Undermount Sink, Tile Backsplash, Tub/Shower Combo with Tiled Walls & Ceiling, Window, and Comfort Height Commode. The INSIDE Laundry Room with a Pantry, has a SOLAR TUBE, Wall-mounted Cabinets, Maytag Bravos XL Steam Washer, Whirlpool Accu-Dry Sensor Dryer & HVAC Cabinet. The Enclosed Rear Screened Porch has Vinyl Windows, Ceiling Fan, and Exterior Door to Back Yard. The 2 Car Garage has a Painted Concrete Floor, HIDEAWAY Garage Screen Door, Insulated Garage Door, Keyless Entry, Pull-down Access to Attic, Utility Sink, Wire Shelving, Door to Side Yard, TWO WORK STATIONS WITH BASE & WALL MOUNTED CABINETS, and Smart Garage Door Opener with HomeLink. WATER HEATER: 2024, HVAC: 2013, ROOF: coming soon in 2026, All Window Screens Replaced 07/2024. Gutters with Leaf Guard & Downspouts, Irrigation System, WHOLE HOUSE NOVA WATER FILTRATION SYSTEM with Warranty thru 4/9/2028. Don’t Miss Out on this GREAT Home, Schedule your Showing TODAY!!

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Golf Course, Optional Additional Fees, Pickleball Court(s), Pool, Recreation Facilities, Sauna, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Trail(s), Vehicle Restrictions
  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 1991
  • Garage: 2-car Driveway, Garage Door Opener, Workshop in Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,650
  • Acreage: 0.25
  • Est. Taxes: $2,574
  • HOA Fee: $176 Monthly
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: G5101317
  • Days on Market: 149 days
  • Website: https://www.raveis.com
    /prop/G5101317/10435se178thplace_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 2/17/2026 9:05:32 PM)
Listing courtesy of FLORIDA FINE HOMES REALTY, LLC   Phone: 352-446-8886

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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10435 SE 178TH PLACE, Summerfield, FL, 34491

$290,000

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 $232,000 $232,000 $232,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.132% 5.396%
Monthly Tax Payment $215 $215 $215
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,281 $1,389 $1,850
Total Monthly Payment $1,570 $1,678 $2,139

* 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.