Spruce Creek South
Homes for Sale in Summerfield, FL
All 431 homes for sale in Summerfield, FL · median $289,900 · 385 homes for sale in 34491 · Marion County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Stellar MLS
As of October 2026, Spruce Creek South in Summerfield, FL has 22 homes for sale and 2 pending, asking from $185,000 to $377,000 (median $254,945). Over the 12 months ending 2026-08-02, 62 recorded sales closed at a median of $220,000, $162 per square foot, a median 95 days on market, sellers accepting 93% of original asking (-7% versus the prior year). Homes listed or recently sold were built 1989 - 2003; 35 of 36 report an HOA (median $180/mo); none of the 36 geocoded homes sit in a FEMA special flood hazard zone (median elevation 76 ft). At the median price and Marion County's FY2025-26 rate of 12.08 mills, annual property tax runs about $2,660 ($2,220 with the full homestead exemption).
Last 30 days in Spruce Creek South: 6 new listings (median asking $248,900), 2 under contract right now, 4 closed sales (median $207,000). As of October 20, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Spruce Creek South
Live MLS inventory for Spruce Creek South. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 133 daysTop listing
Active · 4 days
Active · 7 days
Active · 55 days
Active · 189 days
Active · 137 days
Active · 60 days
Active · 42 days
Active · 76 days
Active · 35 days
Active · 20 days
Active · 37 days
Active · 157 days
Active · 94 daysActive and pending Spruce Creek South listings as of 2026-10-20, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.
Spruce Creek South right now
🟡 Off the recent peak. The trailing-12-month median ($220K) is down 7.1% from the prior 12 months ($237K) and up 159% since 2012.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: Very High (62 and 61 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside SPRUCE CREEK SOUTH right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Spruce Creek South market snapshot (as of August 2, 2026): the median sale price is about $220K ($162 per sq ft over the trailing 12 months of closed sales), and a median 95 days on market for closed sales. The trailing-12-month median is down 7% from the prior 12 months and up 159% since 2012, computed from record-level Stellar MLS closed sales (62 closings in the current window).
In ZIP 34491 (Summerfield), 291 homes closed in the last 12 months at a median of $289K ($184/sq ft), down 0.7% year over year, with a median 68 days on market. See the live ZIP 34491 housing market and the Marion County market.
Flood zones in Spruce Creek South: of 24 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
Spruce Creek South is a community of 3,850 homes in Summerfield, Marion County, built between 1908 and 2024 (median 1994), with a median living area of about 1,492 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Spruce Creek South. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Spruce Creek SouthSpruce Creek SouthPhotos from Stellar MLS listings in Spruce Creek South; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($220K) IS the median in the snapshot above, and the move from 2025 ($237K) IS the -7.1% one-year change.
Windows contain 0 to 74 sales each (62 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Deemed reliable but not guaranteed.
8% of homes for sale in Spruce Creek South are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Spruce Creek South Market Scorecard
Spruce Creek South is currently a seller's market. About 3.9 months of supply, a median asking price of $254,945, and homes go under contract in about 31 days.
Typical home value in the 34491 ZIP is $282,300, about 13.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Spruce Creek South on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Marion County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Belleview Elementary School · Elementary
- Belleview Middle School · Middle
- Belleview High School · High
Zoned schools reflect the assignments reported on recent Spruce Creek South listings and can change; always confirm with Marion County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Spruce Creek South address.
Shop the zone: Homes zoned for Belleview High School · Homes zoned for Lake Weir High School
Recent Developments in Spruce Creek South
Development, infrastructure, retail, and school activity affecting Spruce Creek South, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- July 2026Development
Marion County approves final master plan for 442-home Sandy Clay subdivision
Marion County commissioners approved the final Planned Unit Development master plan for Sandy Clay Residential, 442 detached single-family homes on a roughly 120-acre tract at SE 92nd Loop and SE 110th Street Road. The site sits inside the Urban Growth Boundary and the Primary Springs Protection Overlay, and the developer must build turn lanes at the entrances before vertical construction begins.
What it may mean for the marketFinal master-plan approval advances a large single-family subdivision in southeast Marion County and adds new road turn-lane infrastructure at the site entrances. The project is about 3 miles northwest of Spruce Creek South, elsewhere in Marion County.
Source: 352today - July 2026Schools
City of Ocala advances school expansion rezoning on SW 20th Street
The Ocala City Council approved on first reading the rezoning of about three acres in the 2800 block of SW 20th Street from multi-family residential to institutional to allow a preschool expansion. Final adoption is scheduled for August 4, 2026, with a traffic impact analysis required at site-plan review because SW 20th Street operates above its adopted level of service.
What it may mean for the marketThe rezoning would convert residential-zoned land to institutional use for a school expansion and flags a traffic study on SW 20th Street, which is operating above its adopted level of service. The project is about 18 miles northwest of Spruce Creek South, elsewhere in Marion County.
Source: 352today - July 2026Schools
Marion County Public Schools board hears five-year consolidation plan
Marion County Public Schools presented a five-year plan to replace 11 aging facilities and close four schools, including new construction of South Marion High School and a replacement Lake Weir Middle School. The plan would eliminate 86 portable classrooms and reassign attendance zones such as Wyomina Park to Oakcrest, with a board vote scheduled for August 11, 2026.
What it may mean for the marketThe consolidation plan would rebuild aging school facilities, add permanent classroom capacity in place of portables, and adjust attendance-zone boundaries across Marion County. The project is about 18 miles northwest of Spruce Creek South, elsewhere in Marion County.
Source: Spectrum News 13 - July 2026Infrastructure
Sumter County and Wildwood begin pavement maintenance programs
Sumter County launched a $6.4 million program covering about 30 miles of roadway, including C-466 and multiple county roads, funded through its Capital Outlay Reserve Fund. The City of Wildwood began a separate $1.2 million program resurfacing downtown-area streets such as Alabama Street and Old Wire Road.
What it may mean for the marketThe paving programs upgrade road infrastructure across Sumter County and central Wildwood, extending pavement life along the listed corridors. The site is about 7 miles southwest of Spruce Creek South.
Source: 352today - June 2026Retail & Dining
Site plans detail new Target coming to southwest Ocala
Site plans filed with the Marion County Development Review Committee detail a 128,880-square-foot Target on about 14 acres at State Road 200 and SW 80th Avenue in southwest Ocala, developed by Cornerstone Ocala Properties, LLC. The plan includes 432 parking spaces plus online pick-up spaces and golf cart parking, with access from SW 80th Avenue, SW 90th Street, and SW 93rd Street.
What it may mean for the marketA large-format retail store plan adds shopping capacity to the State Road 200 commercial corridor in southwest Ocala. The project is about 19 miles northwest of Spruce Creek South, elsewhere in Marion County.
Source: Ocala-News - May 2026Development
Ocala City Council approves mixed-use development with 2,700 more residences
The Ocala City Council unanimously approved a comprehensive plan amendment, rezoning, and Planned Development Plan for a roughly 251-acre project by KAS Ocala, LLC along SW 43rd Court in southwest Ocala. The plan allows the potential for more than 2,700 housing units and nearly one million square feet of commercial space, including retail, office, and recreational uses.
What it may mean for the marketApproval of a large mixed-use plan adds substantial future housing and commercial capacity to the southwest Ocala market and signals continued build-out along the SW 43rd Court corridor. The project is about 18 miles northwest of Spruce Creek South, elsewhere in Marion County.
Source: Ocala-News
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Spruce Creek South buying strategy.
If we were buying in Spruce Creek South today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Spruce Creek South.
A closer look at the Spruce Creek South market
At a median of $162 per square foot, Spruce Creek South prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 7% year over year. Homes that do trade take a median 95 days on market, useful leverage on any listing that has lingered.
The housing stock is 3,850 homes built between 1908 and 2024, and 70% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Spruce Creek South. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Spruce Creek South buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.5). Basis: Long-Term Appreciation +159% since 2012; Recent Direction -7.1% year-over-year; Owner Commitment 70% owner-occupied; Pricing Power 93.1% sale-to-list. Refreshed with each data update.
Tools for a Spruce Creek South buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Spruce Creek South sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spruce Creek South, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spruce Creek South home worth?
Get a no-obligation home value based on real comparable sales in Spruce Creek South, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Summerfield →
Recently off market in SPRUCE CREEK SOUTH
Homes in SPRUCE CREEK SOUTH that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 5 on record.
- 10608 SE 174Th Loop · off market
- 10689 SE 174Th Loop · off market
- 17747 SE 97Th Avenue · off market
- 17929 SE 105Th Avenue · off market
- 17960 SE 108Th Court · off market
| Location | Summerfield, Marion County, FL · ZIP 34491 |
|---|---|
| Homes in the community | 3,850 (FL DOR 2025 assessment roll) |
| Years built | 1908–2024 (median 1994) |
| Typical living area | 1,492 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Clubhouse, Fitness Center, Gated, Golf, Golf Carts OK |
| Sale prices, last 12 months | $220,000 median across 62 closed sales · $162 per sq ft · -7.1% vs the prior 12 months |
| Days on market (closed sales) | 95 median |
| Owner-occupied (homestead) share | 70% |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Spruce Creek South key facts,” movewithmomentum.com/neighborhoods/spruce-creek-south-summerfield, data as of August 2, 2026.
Every Home for Sale in Spruce Creek South Summerfield Right Now (24)
All 24 active and pending Spruce Creek South Summerfield listings with a detail page, newest first, refreshed twice a day from the MLS.
- 17909 SE 99th Avenue · $345,000 · 2 bd / 2 ba · listed Oct 15, 2026 · listed by Bassett Premier Realty Inc
- 10490 SE 179th Place · $299,900 · 3 bd / 2 ba · listed Oct 12, 2026 · listed by Worth Clark Realty
- 10434 SE 178th Place · $224,900 · 2 bd / 2 ba · listed Oct 9, 2026 · listed by Re/Max Premier Realty Lady Lk
- 17552 SE 96th Court · $259,900 · 2 bd / 2 ba · listed Sep 29, 2026 · listed by Re/Max Premier Realty Lady Lk
- 17929 SE 107th Court · $229,900 · 2 bd / 2 ba · listed Sep 26, 2026 · listed by Judy L. Trout Realty
- 17978 SE 104th Terrace · $237,900 · 2 bd / 2 ba · listed Sep 19, 2026 · listed by Re/Max Premier Realty Lady Lk
- 10622 SE 179th Lane · $239,000 · 3 bd / 2 ba · listed Sep 18, 2026 · listed by Olympus Executive Realty Inc
- 17726 SE 106th Terrace · $260,900 · 3 bd / 2 ba · listed Sep 14, 2026 · listed by Re/Max Premier Realty Lady Lk
- 17760 SE 108 Avenue · $249,990 · 2 bd / 2 ba · listed Sep 11, 2026 · listed by Stonecrest International Rlty
- 9619 SE 174th Place Road · $269,900 · 2 bd / 2 ba · listed Sep 10, 2026 · listed by Lpt Realty, Llc
- 10358 SE 178 Place · $214,900 · 2 bd / 2 ba · listed Sep 10, 2026 · listed by Judy L. Trout Realty
- 9437 SE 173rd Place · $265,000 · 3 bd / 2 ba · pending · listed Sep 10, 2026 · listed by Lpt Realty, Llc
- 10298 SE 176th Street · $185,000 · 2 bd / 2 ba · listed Sep 8, 2026 · listed by Judy L. Trout Realty
- 10731 SE 174th Loop · $299,900 · 2 bd / 2 ba · listed Sep 6, 2026 · listed by Keller Williams Cornerstone Re
- 17790 SE 101st Court · $273,900 · 3 bd / 2 ba · listed Sep 1, 2026 · listed by Re/Max Premier Realty Lady Lk
- 10403 SE 177th Place · $324,900 · 3 bd / 2 ba · pending · listed Aug 16, 2026 · listed by Assist 2 Sell The Eshack Team
- 17832 SE 96th Avenue · $239,900 · 2 bd / 2 ba · listed Aug 12, 2026 · listed by Judy L. Trout Realty
- 10435 SE 178th Place · $263,900 · 3 bd / 2 ba · listed Aug 7, 2026 · listed by Re/Max Premier Realty Lady Lk
- 17990 SE 100th Terrace · $299,900 · 3 bd / 2 ba · listed Aug 2, 2026 · listed by Keller Williams Cornerstone Re
- 17814 SE 107th Terrace · $249,900 · 3 bd / 2 ba · listed Jul 29, 2026 · listed by Exp Realty Llc
- 9900 SE 175th Place · $377,000 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by Preferred Re Brokers Iii
- 9498 SE 174th Loop · $274,900 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Keller Williams Cornerstone Re
- 10599 SE 178th Street · $212,500 · 2 bd / 2 ba · listed Jul 22, 2026 · listed by Re/Max Premier Realty Lady Lk
- 10767 SE 174th Loop · $225,000 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by Keller Williams Cornerstone Re
Recently sold in Spruce Creek South Summerfield
- 10689 Se 174Th Loop · sold $207,000
- 10608 Se 174Th Loop · sold $275,000
- 17929 Se 105Th Avenue · sold $183,000
- 17960 Se 108Th Court · sold $207,000
- 17929 Se 104Th Terrace · sold $200,000
- 17587 Se 106Th Avenue · sold $264,990
- 9686 Se 176Th Street · sold $249,900
- 17584 Se 105Th Terrace · sold $210,000
- 17710 Se 105Th Terrace · sold $243,500
- 17855 Se 99Th Avenue · sold $225,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Summerfield guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Summerfield? Join Momentum in Summerfield: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- SE 174Th Loop (35 homes on record)
- SE 176Th Street (24 homes on record)
- SE 178Th Street (22 homes on record)
- SE 96Th Court (22 homes on record)
- SE 96Th Avenue (22 homes on record)
- SE 95Th Circle (22 homes on record)
- SE 107Th Court (21 homes on record)
- SE 179Th Place (20 homes on record)
- SE 175Th Place (19 homes on record)
- SE 106Th Terrace (19 homes on record)
- SE 173Rd Place (16 homes on record)
- SE 175Th Street (16 homes on record)
What it really costs to own in Spruce Creek South
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | At today's median asking price of $254,945, the first-year bill with homestead is about $2,600/yr (Marion County total millage 12.08 mills, FY2025-26, Marion County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| HOA dues | Median $180/month across 34 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Marion County is $1,263/yr (1,973 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 24 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1993 across 38 listings. An original roof here would be about 33 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $502/month (tax $217, HOA $180, insurance $105). An estimate from the sources above, not a quote.
Email me new listings in Spruce Creek South
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Spruce Creek South
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Spruce Creek South will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Spruce Creek South?
How long do homes in Spruce Creek South take to sell?
How many homes are in Spruce Creek South?
What share of Spruce Creek South is owner-occupied?
When were the homes in Spruce Creek South built?
Do cash buyers compete in Spruce Creek South?
Have Spruce Creek South home prices gone up?
Who is the best real estate agent for Spruce Creek South?
How do I find a top Summerfield real estate agent who knows Spruce Creek South?
Can Momentum Realty connect me with an agent for Spruce Creek South?
Where is Spruce Creek South, and what county is it in?
Is Spruce Creek South in a flood zone?
Is Spruce Creek South a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 20, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (20 streets, ZIP 34491)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2004 (1,002 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how SPRUCE CREEK SOUTH fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
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More on Spruce Creek South
- Home values · What homes in Spruce Creek South actually sell for