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Welcome to this well-maintained **2-bedroom, 2-bath home** in the highly desirable **Spruce Creek South** 55+ gated golf community in Summerfield, Florida. Offering just over **1, 000 square feet of comfortable living space**, this home combines easy maintenance with functional living in one of Central Florida's most sought-after active adult communities.
Inside, you'll find **luxury vinyl plank flooring throughout**, creating a clean, modern feel that's both stylish and durable. The kitchen is equipped with a **stainless steel refrigerator**, **white range with overhead microwave**, **dishwasher**, and a convenient **double-basin sink**, making meal preparation simple and efficient. Furnishings are available as an optional purchase, allowing for an easy move-in opportunity.
The guest bedroom features a built-in closet and is conveniently located near the guest bathroom, complete with ceramic tile flooring and a full bathtub. The spacious primary suite offers a walk-in closet and a private ensuite bathroom with a walk-in shower for added comfort and privacy.
One of the highlights of this home is the enclosed Florida room, providing additional year-round living space filled with natural light. From there, step into a second enclosed porch that leads to a dedicated workshop and golf cart storage area—perfect for hobbies, tools, lawn equipment, extra storage, or your golf cart.
The attached one-car garage provides additional convenience and storage.
Located in **Spruce Creek South**, residents enjoy a vibrant lifestyle with golf, recreation, social activities, and easy access to shopping, dining, medical facilities, and The Villages. Whether you're looking for a full-time residence or a seasonal Florida retreat, this home offers comfort, convenience, and an exceptional opportunity to enjoy everything this active community has.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$185,000
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 | $148,000 | $148,000 | $148,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $215 | $215 | $215 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $899 | $934 | $1,229 |
| Total Monthly Payment | $1,189 | $1,224 | $1,519 |
* 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.