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12771 SE 92ND TERRACE, Summerfield, FL, 34491

2beds
2baths
1,147sqft
$284,900
$248price/sqft
$2,158/moest. monthly cost
$86,320/yrincome needed

About This Home

Move-In Ready and Absolutely Stunning! This beautifully updated 2-bedroom, 2-bath home with a spacious Florida room under heat and air has been meticulously maintained and is truly a showcase of pride of ownership. Exceptionally cared for making this an easy transition to your Florida lifestyle. The bright, open floor plan features a light-filled front kitchen, a spacious living room, and a cozy Florida room with two sets of sliding glass doors featuring enclosed blinds From the moment you arrive, you’ll appreciate the inviting front porch and the professionally painted, flaked, and sealed driveway and sidewalk, which have been regularly maintained. A Hide-A-Screen front door allows you to enjoy Florida’s beautiful breezes. The interior, including the garage, was professionally painted in decorator colors Luxury vinyl plank flooring was installed throughout the home, with three extra cartons included for future use if needed The beautifully updated kitchen features granite countertops, stainless steel appliances, recessed LED lighting with dimmers, and convenient roll-out cabinet drawers. Both bathrooms have been thoughtfully updated with new faucets and shower heads and comfort-height toilets. The low-maintenance exterior is beautifully landscaped with decorative curbing and stone accents. Additional improvements include updated underground wiring, socket, and sensor for the lamp post. Major updates include: • New HVAC system (May 2025) • New roof (April 2021) • Stainless steel kitchen appliances (2024) • Granite countertops (2020) • Water heater (2016) The immaculate garage is finished with drywall, a professionally painted, flaked, and sealed floor, updated screens and kickplates, a new garage door opener (December 2024), and bright LED lighting. Additional improvements include newer smoke detectors, LED kitchen lighting, updated light switches throughout most of the home, and an LED front porch light with timer. This exceptional home is truly move-in ready, offering quality upgrades, modern finishes, and meticulous maintenance throughout. Located in the award-winning, gated Del Webb Spruce Creek Golf & Country Club, this premier 55+ community of approximately 3,250 homes offers an unmatched active lifestyle with more than 70 clubs and activities, three pools, three spas, a clubhouse, fitness center, four 9-hole golf courses, 12 LIGHTED PICKLEBALL COURTS, seven LIGHTED TENNIS COURTS, bocce, shuffleboard, sand and water volleyball, scenic walking paths, Lake Vista Gazebo, pavilions, and the popular on-site Liberty Grille restaurant. The community’s signature tree-lined boulevard creates a beautiful setting you’ll enjoy every day. This is your opportunity to own a meticulously maintained, move-in-ready home in one of Central Florida’s premier active adult communities. Schedule your private showing today and start living your best life!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
4/10
Lake Weir Middle SchoolGrades 6-82.7 mi
2/10
Lake Weir High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Other

  • Builder model: BIMINI

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Gas Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 120
  • Dimensions: 12x10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dinette

  • Level: First
  • Area: 80
  • Dimensions: 10x8

Features

  • Ceiling Fan(s),High Ceilings,Stone Counters,Walk-In Closet(s)
  • Flooring: Laminate

Florida Room

  • Level: First
  • Area: 90
  • Dimensions: 15x6

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,023
  • Total interior livable area: 1,147 sqft

Kitchen

  • Level: First
  • Area: 96
  • Dimensions: 12x8

Living Room

  • Level: First
  • Area: 240
  • Dimensions: 15x16

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 182
  • Dimensions: 14x13

Property

Details

  • Parcel number: 6120077000
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Private Mailbox,Rain Gutters

Lot

  • Lot size: 9,148 sqft
  • Lot size dimensions: 97 x 94

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Inland Flooding
Strong Wind
Wildfire

FEMA Declared Disasters in Marion County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,440$17,280
Home Insurance *$179$2,148
Property Taxes $342$4,104
Electricity $197$2,366
Total$2,158$25,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,988/yr
40% on housing$64,740/yr
45% on housing$57,546/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 34491$198
Marion County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 34491$176
Marion County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-06Listed for sale$284,900
2026-02-24Listing removed$289,000
2025-10-24Listed for sale$289,000
2019-06-14Sold$150,000
2019-05-01Pending sale$159,900
2019-04-16Price change$159,900
2019-02-11Listed for sale$169,900
2007-01-03Sold$180,000
2004-01-06Sold$112,900
2000-07-31Sold$107,400

For Sale by Agent

AgentVirgil Kapp
BrokerageSELLSTATE NGR- SUMMERFIELD

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