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Discover the charm of Spruce Creek South, an intimate, quiet, and affordable gated 55+ community just a golf-cart ride from The Villages—reachable in minutes yet offering a calmer, more close-knit atmosphere with NO TRAFIC! This beautifully updated 3-bedroom, 2-bath home features VAULTED ceilings and CONTINUOUS HARDWOOD flooring throughout the main living areas and bedrooms. A spacious living room anchors the home, while the redesigned kitchen offers NEWER and abundant cabinetry, SILESTONE counters, an undermount double sink, and updated appliances including a 2025 dishwasher, 2024 microwave, and 2019 range.
The prime suite includes hardwood floors, an ensuite bath, and a large walk-in closet with new shelving. The guest bedroom is generously sized, and the third bedroom provides ideal flexibility for hobbies, office, or extra guests. Enjoy exceptional indoor-outdoor living with a glassed-and-screened, air-conditioned Florida room that flows to a second covered lanai enclosed with screening and plexiglass for year-round comfort. Low maintenance landscaping, perfect for SNOWBIRDS. Ample two car garage hosts washer and dryer and is air conditioned and has two fan lights for year round comfort.
Major updates include a Dec 2023 ROOF and 2021 HVAC.
Spruce Creek South offers outstanding amenities: a 25, 000 SF clubhouse with fitness center, hobby and game rooms, library, and ballroom; an 18-hole golf course with pro shop and The Links restaurant; pickleball, bocce, volleyball, basketball, tennis, a heated pool/spa, walking and biking trails, lakes, parks, and 30+ clubs plus popular TRAVELING softball and horseshoe teams.
Golf-cart access leads directly to shopping, dining, medical offices, Walmart, Aldi, Lowe’s, and THE VILLAGES, where you can enjoy free concerts 365 days a year! Close to multiple golf courses, Silver Springs State Park, THE WORLD EQUESTRIAN CENTER, Lake Weir recreation, and major healthcare facilities and OCALA. With its unbeatable location, peaceful atmosphere, and active lifestyle, this home delivers exceptional value just moments from The Villages. Spruce Creek South is a 55+ community.
Thinking of buying, please do your due diligence and check all measurements and facts.
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Our Executive Mortgage Banker:
Our Insurance Division:
$299,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $239,920 | $239,920 | $239,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.258% | 6.304% | 5.628% |
| Monthly Tax Payment | $124 | $124 | $124 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,381 | $1,458 | $1,944 |
| Total Monthly Payment | $1,580 | $1,657 | $2,143 |
* 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.