10599 SE 178TH STREET, Summerfield, FL, 34491 | $214,900

Welcome Home to this lovely MAPLE MODEL. 2-bedroom, 2-bathroom, 1 car garage plus golfcart garage. You're greeted with a cute porch in front . and fully enclosed Florida room, also concrete open patio for grilling under the roof. Located in Central Florida friendly gated community with guard and security 24/7 for 55 plus residents. This is a golf cart community, here in Spruce Creek South you have golfcart access to a broad selection of amenities within just minutes away ! You can cross 441 from the front gate legally which takes you to many businesses. The fact that this active 55+ community is near The Villages adds even more charm for those looking for that lifestyle. Important to know is that this community has an 18-hole golf course and a Links pro-shop with a restaurant which also offers entertainment, and this is located within close proximity to the home. We also have a residential additional gate on this road which takes you directly into Terrace Plaza not far from the home, which offers several restaurants , drugstores, dentist, medical centers, Urgent care, fellowship, flower shop, gallery, nail and hair salons and even a spa. , including the newer planet fitness but keep in mind we have our own fitness center included with our P. O. A. with no extra charge. No bond or CDD here making it even more appealing. The roof is newer, replaced in 2021*** THE ELECTRICAL PANEL WILL BE CHANGED TO A NEW ONE BEFORE CLOSING***, THE HOT WATER HEATER HAS BEEN REPLACED 3/2026 WITH A NEW ONE*** for your peace of mind everything is working currently, seller has agreed to do this for the new owner. All the other mechanicals are currently in good working condition. This community also allows chain link fencing up to 4 foot tall behind your home for your furry babies. . . THROUGHOUT THE YEAR This community offers a lot to keep you active & engaged! The mix of indoor and outdoor amenities makes it a perfect place for anyone looking to stay fit, socialize, & enjoy a variety of activities. Attached to the Club house , outside we have the heated pool & hot tub / spa, Inside the clubhouse we have the fitness center, his and hers sauna and bathrooms with showers, there are also showers and a separate bathroom outside near the pool. all these amenities are a huge perk, especially for year-round relaxation, recreation, and social opportunities, perfect for those looking to get the most out of their 55+ living experience! Have you had a chance to check out the clubhouse? or any of these activities in person yet? ask your realtor to take you for a tour. A furniture package can be made available if any of the furniture interests you. This home in the Spruce Creek South community offers a wonderful lifestyle for those looking to live in a vibrant, 55+ golf cart-friendly neighborhood. You will have easy access to restaurants, medical facilities, supermarkets, retail shops, gas stations, banks, hair and nail salons, barber shops, fitness options, medical facilities, The Villages Squares are just a few miles away. . . You have easy access only minutes away so many options to choose from! You can ride your golfcart to many of these facilities, this is a huge convenience. I want you to keep in mind, having no bond or CDD is a financial bonus for buyers who are concerned with this. Please enjoy the professional pictures and slide show and call today for your virtual or in person tour. *** Start enjoying Florida Living in this great community which has so much to offer ***

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Golf Course, Handicap Modified, Pickleball Court(s), Pool, Racquetball, Recreation Facilities
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 106 x 110
  • Laundry: In Garage, Washer Hookup
  • Year Built: 1991
  • Garage: 1-car Golf Cart Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,008
  • Acreage: 0.27
  • Lot Size: 106 x 110
  • Est. Taxes: $1,142
  • HOA Fee: $176 Monthly
  • Lot Desc: Cleared, Corner Lot
  • Adult Communities: Yes
  • Elem. School: Stanton-Weirsdale Elem. School
  • Middle School: Lake Weir Middle School
  • High School: Lake Weir High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: G5104689
  • Days on Market: 151 days
  • Website: https://www.raveis.com
    /prop/G5104689/10599se178thstreet_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 5/19/2026 2:47:09 PM)
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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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10599 SE 178TH STREET, Summerfield, FL, 34491

$214,900

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 $171,920 $171,920 $171,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment $95 $95 $95
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,059 $1,087 $1,428
Total Monthly Payment $1,229 $1,257 $1,598

* 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.