13088 SE 86TH CIRCLE, SUMMERFIELD, FL, 34491
Active0 days on marketListed Aug 4, 2026MLS #OM728692
About this home
13088 SE 86TH CIRCLE
Located in the 55+ Community of Del Webb Spruce Creek Golf & Country Club. Step inside this beautifully maintained Alydar Model featuring new laminate flooring throughout the home, 2 Bedrooms, 2 Bathrooms, and a 2 car garage, where the desirable open floor plan creates an inviting space for everyday living and entertaining. The spacious eat-in kitchen overlooks the family room, while the triple sliding doors open to the newly enclosed lanai and a paver patio, offering peaceful views of the private backyard. The primary suite enjoys the same tranquil setting and the guest room conveniently located near the guest bath. An interior laundry room provides direct access to the garage. Outside, you will appreciate the exceptional curb appeal with Hacienda-style accent walls, decorative rock beds, and a decorative driveway and sidewalk. Seller is offering a Home Warranty.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,346
Sqft
0.14 ac
Lot size
2
Garage
2005
Year built
One
Levels
$212
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.
$2,495 /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
$2,495/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
+14.1%
Days on market
0 vs 52 typical
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 → $256K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
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 13088 SE 86TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13088 SE 86TH CIRCLE — 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
13088 SE 86TH CIRCLE FAQs
What would the monthly payment be for 13088 SE 86TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,495/mo — principal and interest, the actual property-tax bill, the $214/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 13088 SE 86TH CIRCLE?+
The association fee works out to $214 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13088 SE 86TH CIRCLE?+
The most recent tax bill on record (2025) was $3,811. 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 13088 SE 86TH CIRCLE?+
The listing reports pets: Yes. 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 $284,900, this home is listed about 2% below the Summerfield median of $289,825. The market section on this page shows how the area is trending.
Which schools are assigned to 13088 SE 86TH CIRCLE?+
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.
Listing courtesy of ERA GRIZZARD REAL ESTATE · Angela Green. MLS #OM728692.
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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