10435 SE 178TH PLACE, SUMMERFIELD, FL, 34491
Active2 days on marketListed Aug 4, 2026MLS #G5115863
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About this home
10435 SE 178TH PLACE
Virtually Staged. Experience Florida living in this exquisitely up-graded home. 1,450 square feet of thoughtfully designed living space plus 200 additional sq. feet Residencial Lanai under heat and ac. This exceptional residence blends timeless elegance, modern upgrades, and effortless comfort— Expanded Holly Model | 3 Bedrooms (split bedroom) Primary on one side for added privacy | 2 Baths | 2 car garage. The Luxury Vinyl planks throughout the main areas of the house is sure to please. At the heart of the home is a spectacular designer kitchen, completely remodeled in 2019 with luxurious Bordeaux Viana granite countertops, a dramatic full-height granite backsplash, matching granite windowsill, elegant bisque cream color cabinetry with crown molding, soft-close doors and drawers, pull-out shelving, pot drawers, Lazy Susan corner cabinet, under-cabinet lighting, decorative hardware, and a solar tube that fills the space with natural light from outside. The top-of-the-line Whirlpool stainless-style appliances, including a French-door refrigerator, glass-top range, microwave, dishwasher, disposal, and a custom tray ceiling with modern lights completes this stunning culinary space. The open-concept living areas are warm, inviting, and designed for entertaining, showcasing beautiful Precious Highlands Hickory luxury laminate flooring, updated six-panel interior doors, textured ceilings with no popcorn, and ceiling fans throughout. The spacious family room flows seamlessly to dining area to the bright Florida room, creating the perfect setting for relaxing mornings or hosting family and friends. The private owner's retreat primary bedroom offers a peaceful escape with a generous walk-in closet that has solar tube providing natural light, elegant laminate luxury flooring, ceiling fan. The spa-inspired ensuite bath features a seamless glass walk-in shower with built-in bench, corner shelving, grab bar, dual-sink, granite vanity, and linen storage for both beauty and functionality. Arriving, you will enjoy having the expanded driveway, 1/4 of an acre, and nice curb-appeal; an unforgettable first impression. The oversized two-car garage is equally impressive, featuring a motorized retractable screen, custom built-in cabinetry, utility sink, pull-down attic access, and abundant storage. Additional premium upgrades include: NEW Roof (2026). Carrier 16 SEER 3-ton heat pump 2013 Honeywell programmable thermostat. Whole-house Nova water filtration system Electrostatic air filtration system Comfort-height toilets Indoor laundry room with solar tube North-facing paver patio for outdoor relaxation Chamberlain Smart Garage Door Opener with HomeLink Convenient side-yard garage access Newer painted driveway and walkway Additional electrical outlets on the on the front and back patios. Fenced in backyard Septic system pumped & inspected 2023 Location is everything. 18-hole golf course, Restaurant and pro-shop in the grounds. Situated just two miles from The Villages, , residents enjoy the rare convenience of legally crossing U.S. 441 by golf cart directly from the community's main entrance, providing effortless access, shopping, dining, entertainment, medical facilities, grocery stores, salons, spas, and countless everyday amenities. Schedule your private tour today and experience the comfort, and convenience that make this remarkable Spruce Creek South residence truly stand apart.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.25 ac
Lot size
2
Garage
1991
Year built
One
Levels
$185
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,278 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,278/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.7%
$/sqft vs SPRUCE CREEK SOUTH
$185 vs $171
Days on market
2 vs 51 typical
Where $185/sqft sits among the 14 homes for sale in SPRUCE CREEK SOUTH
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Summerfield
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Summerfield. See the full Summerfield guide →
SUMMERFIELD 34491 — neighborhood snapshot
Population
32,369
Median age
54.4
Median income
$65,900
Median home value
$253,100
Avg household
2.3
Households w/ children
2,632
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Summerfield market
$279K → $276K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
7 of 14
SPRUCE CREEK SOUTH have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 10435 SE 178TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$245,000
17834 SE 105TH AVENUE · same community
3 bd · 2 ba · 1,450 sqft · $169/sqft · 175 DOM
Sold · Apr ’26$236,500
17937 SE 107TH TERRACE · same community
3 bd · 2 ba · 1,450 sqft · $163/sqft · 363 DOM
Sold · Nov ’25$215,000
17913 SE 95TH COURT · same community
3 bd · 2 ba · 1,450 sqft · $148/sqft · 87 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10435 SE 178TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10435 SE 178TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10435 SE 178TH PLACE FAQs
What would the monthly payment be for 10435 SE 178TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,278/mo — principal and interest, the actual property-tax bill, the $180/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10435 SE 178TH PLACE?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10435 SE 178TH PLACE?+
The most recent tax bill on record (2025) was $2,828. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10435 SE 178TH PLACE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Summerfield?+
At $268,900, this home is listed about 7% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10435 SE 178TH PLACE?+
Lake Weir Middle School (middle), Harbour View Elementary School (elementary), Lake Weir High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Gerrie Cosme Matias. MLS #G5115863.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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