Single Family Residence in SPRUCE CREEK SOUTH, SUMMERFIELD · No CDD on record
SPRUCE CREEK SOUTH · Summerfield, FL 34491 · Marion County
Listing data updated October 17, 2026 at 6:04 AM ET · checked against the MLS hourly
Listed by KELLER WILLIAMS CORNERSTONE RE (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
2Bathrooms
1,736Sq Ft
1994Year Built
$173Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
7% above
$/sq ft vs community
$173 here vs $162 median sold (12 mo)
Buyer leverage
Seller-leaning
39 days on market
3.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~73 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $300k tops 11 of the last 12 closed sales; also one of the largest homes here at 1,736 sq ft
As of October 17, 2026, 10731 Se 174Th Loop in Spruce Creek South, Summerfield is listed at $299,900 (1,736 sq ft, about $173 per sq ft). That is 36% above Spruce Creek South's median closed sale of $220,000 over the last 12 months (62 recorded sales). It has been 39 days on market, well inside the community's typical 95 days. Listing facts: built in 1994, HOA dues of $179/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1994 · 32 yrs
1,736 sq ft of living area
2-car garage
Listed at $299,900 — recent neighborhood median sale price ~$220,000 (nearby sales; deemed reliable, not an appraisal)
39 days on market
HOA $179/mo (per listing)
Listing description
About this home
Virtually Staged. Prepare to fall in LOVE with this exceptional one-of-a-kind home in the sought-after 55+ Golf Community of SPRUCE CREEK SOUTH, where comfort, style, and the carefree Florida lifestyle come together beautifully! With 1,736 square feet under air, this spacious 2 Bedroom, 2 Bath home offers an inviting split-bedroom floor plan designed for both privacy and effortless entertaining, along with an INDOOR LAUNDRY room and not one, but TWO comfortable living areas.
From the moment you arrive, the FRESH NEW LANDSCAPING and NEWER SCREENED FRONT PORCH create a warm and welcoming first impression. Inside, the home continues to impress with thoughtful updates to include Chair Rail Molding in Living and Dining rooms, NEW UPSCALE CEILING FANS AND LIGHTING. The spacious Primary suite is a true retreat, Featuring a large bedroom and an incredible 12 x 17 WALK IN CLOSET with plenty of room to organize everything with ease.
Both bathrooms Feature convenient UPDATED WALK IN SHOWERS, adding comfort and accessibility to this beautifully maintained home. The updated galley Kitchen is sure to delight, with beautiful UPDATED CABINETRY, TWO PANTRY CABINETS with convenient PULL-OUT SHELVING, a gorgeous GLASS BACKSPLASH, upgraded Laminate countertops, updated appliances, and a cozy breakfast nook that is perfect for morning coffee. WHOLE HOUSE WATER SOFTENER SYSTEM!
French doors from the family room open to your own private outdoor oasis—an oversized screened lanai where you can relax, entertain, or simply enjoy the beautiful Florida weather. MOTORIZED HURRICANE SHUTTERS provide added peace of mind. Also room to park a golf cart, motorcycle, etc through the side entry.
And when Florida weather takes a turn, you'll be prepared with a WHOLE HOUSE GENERAC GENERATOR. The extended two-car garage provides additional space for vehicles, golf carts, hobbies, and storage, while the large corner lot gives the property an extra sense of openness and privacy, while the Dusk to Dawn lights surrounding the home add to the ambience. Major updates include a NEW ROOF 2022 and HVAC 2018, making this home as practical as it is beautiful.
Best of all, this wonderful home is located in SPRUCE CREEK SOUTH, a vibrant 55+ Gated Golf Community adjacent to THE VILLAGES, Florida off Hwy 441/US 27. Here, every day can feel like a vacation, with an array of amenities, activities, social clubs, recreation, and golf right outside your door. Whether you're looking to spend your days on the golf course, meeting friends, enjoying community activities, or simply relaxing on your screened lanai, this is Florida living at its finest.
Come discover your own little piece of paradise, you may never want to leave!
Description provided by KELLER WILLIAMS CORNERSTONE RE and reproduced from the MLS; not independently verified.
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Listing agent: Cindy Schutte · 352-233-2200Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$299,900
Bed / bath2 / 2
Living area1,736 sq ft
Year built1994
Property typeSingle Family Residence
Garage2-car
MLS #OM730787
Listing status39 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~73 ft
CountyMarion
Estimated first-year tax~$3,025/yr
CDD assessmentNone on record
HOA$179/mo
Calculated estimates
Price per sq ft$173
Estimated monthly payment$2,238
Insurance (illustrative)$1k–$2k/yr
Messtimate range$229,152 – $284,704
Comparable-sales median$220,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,238/mo
Principal & interest $1,661/mo74%
Taxes $252/mo11%
Insurance $146/mo7%
HOA $179/mo8%
$2,238/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Marion County rate (12.08 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,700/yr ($142/mo) — taxable value $140,763 × 12.08 mills
$1,325 more each year
(+78%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$100,377
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$241,140
Market value
$191,485
Assessed
$140,763
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Marion County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 10731 Se 174Th Loop
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $1,700/yr (certified county roll, taxable value × millage). Buy at the asking price of $299,900 and the first-year bill resets to about $3,025/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.08 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$179/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1994. An original roof would be about 32 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 ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $536/month (tax $252, HOA $179, insurance $105). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$179/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~73 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Marion County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingVery Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailVery Low
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · SPRUCE CREEK SOUTH
Pricing & the SPRUCE CREEK SOUTH market
How this home is priced against recent nearby sales, and where SPRUCE CREEK SOUTH has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in SPRUCE CREEK SOUTH
Each dot is a closed sale since 2004 (1002 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $173/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 28 (cold).
Property timeline
This home’s history
1994BuiltPer public record
Aug 27, 2026First seen on movewithmomentum.comObserved at $299,900
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $299,900Momentum Realty · on market 39 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in SPRUCE CREEK SOUTH in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$275,000
10608 SE 174TH LOOP, SUMMERFIELD
2 / 2 bd/ba · 1,678 sq ft · $164/sq ft
Courtesy of CENTURY 21 ALTON CLARK · View details →
Sold Sep 2026
$275,000
10608 SE 174TH LOOP, SUMMERFIELD
2 / 2 bd/ba · 1,678 sq ft · $164/sq ft
Courtesy of CENTURY 21 ALTON CLARK · View details →
Sold Aug 2026
$225,000
17855 SE 99TH AVENUE, SUMMERFIELD
2 / 2 bd/ba · 1,678 sq ft · $134/sq ft
Courtesy of BHHS FLORIDA PROPERTIES GROUP · View details →
Sold Aug 2026
$225,000
17855 SE 99TH AVENUE, SUMMERFIELD
2 / 2 bd/ba · 1,678 sq ft · $134/sq ft
Courtesy of BHHS FLORIDA PROPERTIES GROUP · View details →
Sold Sep 2026
$207,000
17960 SE 108TH COURT, SUMMERFIELD
2 / 2 bd/ba · 1,570 sq ft · $132/sq ft
Courtesy of RE/MAX PREMIER REALTY LADY LK · View details →
Sold Sep 2026
$207,000
17960 SE 108TH COURT, SUMMERFIELD
2 / 2 bd/ba · 1,570 sq ft · $132/sq ft
Courtesy of RE/MAX PREMIER REALTY LADY LK · View details →
Median of these 6 sales: $220,000 ($162/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$229,152the mess$284,704
Stronger local evidence — 6 comparable closed sales in SPRUCE CREEK SOUTH, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $299,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 24% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1994 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $179/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 39 days on market vs. a 95-day community median
22 active listings competing, 2 under contract
67 closed here in the last 12 months
For reference, this home is listed at $299,900 ($173/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,736 sq ft × $132–$164/sq ft (interquartile band of 6 comparable closed sales in SPRUCE CREEK SOUTH, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 17, 2026.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Flood safety (95), Pricing power (75)
0 limited50100 exceptional
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area33
This home $173/sq ft vs the community 12-month median $162/sq ft.
Affordability0
List price $299,900 vs the community median $220,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~73 ft elevation. Verify the parcel with FEMA.
Insurance cost65
From FEMA Zone X and a 1994 build. Obtain a property-specific quote.
Market liquidity24
Community median 95 days on market (12-month record).
Buyer competition43
57% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power75
Recent sales closed at about 93.1% of original asking (~6.9% below). More room below asking generally favors buyers.
Market timing72
Momentum Market Heat is 28/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 8 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.9 months of supply in the surrounding market and 39 days on market for this home, against a 95-day area median.Days on market:this home 39Area median: 95 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. As of August 2, 2026.
🟡 Asking $173 per square foot, about 7% above the community’s $162 median. SPRUCE CREEK SOUTH’s 12-month median sold price per square foot is $162. Median sold price per square foot is down 7.1% year over year. Confidence: Very High · 62 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
70% of homes in SPRUCE CREEK SOUTH are owner-occupied. An estimated 30% are non-owner-occupied, including 14% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 3850 homes matched. Community-level context.
Recent SPRUCE CREEK SOUTH sales closed near 93.1% of original asking. Cash paid for about 57% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS CORNERSTONE RE · MLS # OM730787
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Keep looking
Similar homes for sale near SPRUCE CREEK SOUTH
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
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.
Why it matters: Final 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.
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.
Why it matters: The 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.
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.
Why it matters: The 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.
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.
Why it matters: The 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.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Marion County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Marion County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 10731 Se 174Th Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1994 (32 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $179/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Marion County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,736 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,025/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 more per year than the current owner’s estimated bill (+78%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 17, 2026)
Comparable sales
Stellar MLS closed sales in SPRUCE CREEK SOUTH, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 10731 Se 174Th Loop and when was it built?
Per the listing record, 10731 Se 174Th Loop was built in 1994 and has 1,736 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10731 Se 174Th Loop in?
10731 Se 174Th Loop is in Spruce Creek South in Summerfield, Marion County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 10731 Se 174Th Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $179 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 10731 Se 174Th Loop differ from the current owner's?
The estimate on this page (about $3,025 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 more per year than the current owner’s estimated bill (+78%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10731 Se 174Th Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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See 10731 SE 174TH LOOP in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
