10492 SE 178TH STREET, Summerfield, FL, 34491 | $244,900

Welcome home to Spruce Creek South, a truly gated, 55+ golf-cart-friendly community in the heart of Central Florida. This cozy yet spacious 2-bedroom, 2-bath 2-car garage with privacy screen doors in front of garage door. . . 1 Golfcart Garage / utility shed behind the house, this one is a must see. (BRAND NEW WASHER WAS JUST PUT IN 3/14/2026) This home is perfectly situated on an oversized . 30-acre corner lot, there is plenty of room for a pool. This home located along the resident gate road with direct access to The Terrace Plaza, placing everyday conveniences just minutes away. Enjoy nearby urgent care, nearby hospitals, dentist, doctors, restaurants, pharmacies, ice cream, medical supplies, beauty spa, nail salon, hairdresser and barber shop, thrift store, butcher shop and flower shops, —and even a Planet Fitness established in 2024.

This home features a 2-car garage plus a separate golf cart garage as previously mentioned. Inside, the open floor plan offers a welcoming, modern layout ideal for comfortable living and entertaining. The kitchen with granite counter-tops and stainless steel appliances boasts ample cabinetry and counter space - perfect for any home chef. The open concept is great for entertaining your guest .

Relax year-round in the expansive 10’ x 25’ lanai, great for Relaxing and also entertaining year round. . . , complete with vinyl windows replaced in 2022 and new screens installed in 2023. The home has been meticulously maintained and lightly used—Previous owners occupied only three months per year in the past since 2017-2023, totaling just 18 months of use in that period of 6 years, the new owner has been here a couple of years and decided to go back home to family.
Recent Updates & Improvements Include:
Transferable Massey Termite bond.
Roof – December 2021***
HVAC – 2023
Newer Stainless-steel appliances - 2024
Tile flooring in both bathrooms– 2017
Luxury Porcelain plank floors in rest of the house - 2024
High end Bali Blinds - 2024
Washer and Dryer - 2024
Newer 6 panel doors -2024
Newer Primary Bedroom Shower 2024
Newer Granite Counter Tops - 2024
Newer Simply Safe Alarm - 2024
Newer Ring Door-bell - 2024
Newer hot water heater - 2024
Newer Wi-Fi Garage Opener with Camera and app. -2024
Electrical Panel was replaced by a new one in - 2025
Ceiling fans – 2020 Primary Bedroom fan 2024
Master bath: new toilet and granite vanity top - 2024
Guest bath: vanity & medicine cabinet (2018), exhaust fan (2022)
Irrigation controller – 2021
With no bond, this home offers exceptional value and peace of mind.
Residents of Spruce Creek South enjoy a vibrant lifestyle with countless amenities, including golf, shuffleboard, pickle ball, tennis, heated community pool, fitness center, separate men’s and women’s saunas, library, nature walks, dog park, Softball field, additional gated fenced in parking if you have a big RV or Trailer at an exceptional low cost to residents. There is on-site dining, and there is also a pro-shop which is part of the 18-hole golf course, and an active calendar of clubs and social events. Ideally located near shopping, entertainment, top medical facilities, and just minutes from The Villages, this home truly delivers the perfect blend of convenience, comfort, and community.

Don’t miss this extraordinary opportunity—schedule your private or virtual tour today and experience the lifestyle waiting for you at Spruce Creek South.

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Golf Course, Pickleball Court(s), Pool, Racquetball, Sauna, Security, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s), Trail(s)
  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 103 x 128
  • Laundry: In Garage
  • Year Built: 1991
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,066
  • Acreage: 0.3
  • Lot Size: 103 x 128
  • Est. Taxes: $2,807
  • HOA Fee: $180 Monthly
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: G5106551
  • Days on Market: 72 days
  • Website: https://www.raveis.com
    /prop/G5106551/10492se178thstreet_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 5/30/2026 4:45:08 AM)
Listing courtesy of RE/MAX PREMIER REALTY LADY LK   Phone: 352-753-2029

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

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

10492 SE 178TH STREET, Summerfield, FL, 34491

$244,900

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 $195,920 $195,920 $195,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $234 $234 $234
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,173 $1,222 $1,614
Total Monthly Payment $1,482 $1,531 $1,923

* 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.