Spruce Creek South
Homes for Sale in Summerfield, FL
All 414 homes for sale in SUMMERFIELD, FL · median $289,350 · 360 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 17 homes for sale and 2 pending, asking from $185,000 to $377,000 (median $254,990). 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; 30 of 31 report an HOA (median $180/mo); none of the 31 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).
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 and pending Spruce Creek South listings as of 2026-10-01, 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 2, 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 20 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
Photos 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Marion County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Marion County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
10% 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 (2026-10-02).
Spruce Creek South Market Scorecard
Spruce Creek South is currently a seller's market. About 3.0 months of supply, a median asking price of $254,990, and homes go under contract in about 29 days.
Typical home value in the 34491 ZIP is $281,618, about 13.9% 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.
Housing distress & ownership in SPRUCE CREEK SOUTH, SUMMERFIELD
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
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, tiles © CARTO.
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
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.
HOA, CDD & Fees
- HOA dues reported around $180/month (about $2,160/yr) · median of 563 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $180 per month ($2,160 a year) - the median AssociationFee across 563 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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. 4 on record.
- 10608 SE 174Th Loop · off market
- 17747 SE 97Th Avenue · off market
- 17929 SE 105Th Avenue · off market
- 17960 SE 108Th Court · off market
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 1, 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?
You just read the data. Now see what your home is worth.
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:
More on Spruce Creek South
- Home values · What homes in Spruce Creek South actually sell for
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