17356 SE 98TH CIRCLE, Summerfield, FL, 34491 | $325,900

FLORIDA PARADISE AT ITS BEST! THIS 2-BEDROOM, 2-BATHROOM, SALTWATER POOL HOME WELCOMES YOU! Located just 1 mile from The Villages ®, in the sought-after 55+ Spruce Creek South community offers perfect blend of comfort, convenience & Florida living. The elegant crystal windowed Front Door invites you into the Entry Area showcasing luxury vinyl floors that flow seamlessly throughout the home. The Entry opens into a spacious Living room with vaulted ceiling, ample space to accommodate large furniture, oversized window brings in ample light with a 4-light ceiling fan adds to extra comfort. The living room flows into a specious Dining room with ample wall space, vaulted ceiling and bright 6-1-light chandelier. Beautiful Eat-in Kitchen has generous counter space and cabinets, custom pantry with pull-out drawers, Whirlpool appliances, double sink, skylight with ceiling fan and light. The Florida room opens to a stunning outdoor retreat with a large covered Lanai, Birdcage, and a SOLAR HEATED, SALTWATER IN-GROUND POOL overlooking a private backyard with no rear neighbor. The pool area is paved with beautiful pink bricks. The Florida room under air, with acrylic windows, and tile flooring, perfect for relaxing with your morning coffee, or as game room, or accommodate guests. The bright 2-fan lights may easily convert it into an art-crafts room. The speciose Primary Suite features a window to the backyard, large shirt closet, ceiling fan, en-suite bathroom (Resurfaced in December 2025) with step-in tiled shower with double rain glass doors (2025), solar tube/exhaust fan (2024), single sink with large mirror, and 2-walk-in closets (clothing/utility). The Guest bedroom is also nice size with 2 windows, ceiling fan, and walk-in closet. Both bathrooms completely resurfaced. Guest Bathroom features 1 sink with large mirror, walk-in resurfaced shower (2025) with double rain glass doors (2025), solar tube (2024), and exhaust fan (2025). The Garage houses the Washer and Dryer (2025), Sink, Water Heater, Wall Cabinets and Shelves, Overhead Storage Rack, Attic has R38 sprayed insulation, attic pulldown for extra storage, and 2-Ceiling Fans with Lights. The Garage Door (2025) has 2-remote openers, and screen outside doors. The Outside has long Custom Painted Driveway, Street Light, house lights (2024) and the Mailbox. The landscaping has been meticulously maintained all around the house. New double pane windows installed by Window World, New awnings and shutters by Whyte Aluminum, 25 commercial white roof above the lanai. This beautifully updated home offers Country Club living with the convenience of nearby shopping, dining, VA and medical facilities, all accessible by golf cart. Spruce Creek South offers resort style amenities, including: 24/7 guard house, Restaurant, Clubhouse with fitness center, RV Storage, his/her sauna, card game room, art/crafts room, library, billiard room, kitchen, entertainment center with stage, outdoor picnic area with pool and jacuzzi, 18-hole golf course, Volleyball/Pickleball/Tennis courts, Shuffle Board, Softball field, Gated storage for RVs and extra vehicles (at low cost), Dog park, Dozens of Clubs and Social events, and more to enjoy year-round. Roof(2024), Vinyl Siding (2024), Gutters, Leafguard & Downspouts(2024). All Pool equipment including solar heat panel(2023), Birdcage(2022), additional insulation (2024).

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: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Laundry Closet
  • Year Built: 1995
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Electric, Solar
  • Cooling: Central Air
  • Approx Sq. Feet: 1,678
  • Acreage: 0.19
  • Est. Taxes: $2,103
  • HOA Fee: $180 Monthly
  • Lot Desc: Level
  • View: Trees/Woods
  • Adult Communities: Yes
  • Pool: Heated, In Ground, Salt Water, Screen Enclosure, Solar Heat
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: G5102778
  • Days on Market: 121 days
  • Website: https://www.raveis.com
    /prop/G5102778/17356se98thcircle_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 4/18/2026 5:06:56 AM)
Listing courtesy of FLORIDA FINE HOMES REALTY, LLC   Phone: 352-446-8886

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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To learn more about our credentials, visit raveis.com today.

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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

17356 SE 98TH CIRCLE, Summerfield, FL, 34491

$325,900

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 $260,720 $260,720 $260,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $175 $175 $175
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,542 $1,584 $2,113
Total Monthly Payment $1,792 $1,834 $2,363

* 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.