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13944 SE 96th Cir, Summerfield, FL, 34491

3beds
2baths
2,120sqft
$419,900
$198price/sqft
$3,082/moest. monthly cost
$123,280/yrincome needed

About This Home

Your Florida Dream Home Awaits in Spruce Creek Golf & Country Club! Discover the perfect blend of comfort, style, and community in this incredible 3-bedroom, 2-bath Johnstown Model home. Nestled in the highly sought-after 55+ gated community this property offers a lifestyle of luxury, convenience, and endless opportunities. Upgraded for your comfort this home has been meticulously cared for and upgraded with precision and attention to detail. Here's what makes this home truly exceptional: Recently Upgraded Roof and Exterior Paint (2021) for outstanding curb appeal. Brand New attic plumbing (2025). State-of-the-Art A/C System (2021). Kitchen & Bathroom Upgrades (2022): Elegant cabinetry for a polished, contemporary look. New Bedroom and Den Carpeting (2020). Upgraded Appliances (2021), Upgraded disposal and a new microwave (2022) for the ultimate convenience. Rain Gutters & Stylish Decorative Front Door Inserts and charming Plantation Shutters. Gas Stove Hookup is available for culinary enthusiasts. Pocket Sliders that open to a serene lanai, perfect for relaxing or entertaining. Living in Spruce Creek Golf & Country Club means enjoying a community designed for your lifestyle. Residents rave about the wealth of amenities, including: Over 70 Clubs to explore your passions and make new friends. Multiple Pools for relaxing afternoons in the sun. Located just 30 miles from the Gulf of America and 60 miles from Orlando, you’re perfectly positioned to explore Florida’s best attractions. Whether it’s a day at the beach, a trip to Disney World, or simply enjoying the natural beauty of the area, this location has it all. This is more than just a house – it’s the key to a vibrant lifestyle tailored to you. Don’t miss the chance to make this Florida dream home yours. Schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
4/10
Lake Weir Middle SchoolGrades 6-81.4 mi
2/10
Lake Weir High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Concrete,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room

Balcony Porch Lanai

  • Level: First
  • Area: 370
  • Dimensions: 37x10

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First
  • Area: 121
  • Dimensions: 11x11

Dining Room

  • Level: First
  • Area: 110
  • Dimensions: 10x11

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Wood Cabinets,Split Bedroom,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Porcelain Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 2,120 sqft

Kitchen

  • Level: First
  • Area: 180
  • Dimensions: 12x15

Living Room

  • Level: First
  • Area: 425
  • Dimensions: 17x25

Primary Bathroom

  • Level: First
  • Area: 154
  • Dimensions: 11x14

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 208
  • Dimensions: 13x16

Property

Details

  • Parcel number: 6106060000
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Lighting,Rain Gutters
  • Has view: Yes
  • View description: Garden

Lot

  • Lot size: 0.32 Acres
  • Features: Landscaped,Private
  • Lot size dimensions: 106 x 132

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Garage Faces Rear
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Strong Wind
Tornado

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 $2,123$25,476
Home Insurance *$264$3,168
Property Taxes $482$5,784
Electricity $213$2,560
Total$3,082$36,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,668/yr
40% on housing$92,460/yr
45% on housing$82,186/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 34491$197
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
2026-02-13Price change$438,800
2025-10-15Price change$438,900
2025-07-07Listed for sale$448,900
2025-07-01Listing removed$449,000
2025-03-12Price change$449,000
2024-11-04Price change$459,000
2024-10-01Listed for sale$469,000
2016-05-20Sold$249,000
2016-03-18Pending sale$264,000
2016-02-22Price change$264,000
2016-01-04Listed for sale$269,000
2007-10-09Sold$130,000
2004-06-03Sold$214,700

For Sale by Agent

AgentKendra Lee Akers
BrokerageMORRIS REALTY AND INVESTMENTS

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