12945 SE 93 CIRCLE, SUMMERFIELD, FL, 34491
Active504 days on marketListed Mar 7, 2025MLS #OM696695
About this home
12945 SE 93 CIRCLE
ENJOY THE VIBRANT LIVING OF SPRUCE CREEK DEL WEBB 55+ community, where lifestyle and comfort come together effortlessly. RENT BEFORE OWNING. 12945 SE 93 Circle, Summerfield, FL 34491 UNFURNISHED...EXTERIOR HOME FRESHLY PAINTED BANANA CREAM, (BLUE AND WHITE TRIM). KITCHEN, AND COFFEE BAR UPDATED GRANITE, PRIMARY AND 2ND BATHROOMS UPDATED, EPOXY COATING DRIVEWAY AND WALKWAY AND PATIO. NEW HVAC WITH NEW AIR DUCTS, NEW GAS STOVE. HOME LOCATED 3RD FAIRWAY OF HERITAGE GOLF COURSE. FOR RENT OR FOR SALE.... $575,000.00 "LIVING THE LIFESTYLE YOU HAVE BEEN WAITING TO LIVE"( 3 POOLS ADULT, FAMILY, AND INDOOR POOL), GYM JUST REMODELED. CLUBHOUSE HAS BEEN UPDATED. PRIVATE ROAD WITH ROAMING SECURITY 24/7. 2 GUARD GATED. LIVING THE DREAM... PICKLEBALL, GOLF, BOCCE, TOO MANY CLUBS TO MENTION. DEL WEBB HOME MADEIRA LOCATED IN ST ANDREWS ON THE 3RD FAIRWAY OF HERITAGE. ENJOY THE MORNING DRINKING YOUR FAVORITE BEVERAGE. WATCHING THE GOLFER GO BY.... FUN TO WATCH IF YOU NOT PLAYING GOLF. 2 BEDROOMS 2 BATHROOM UPDATED. FORMAL DINING ROOM, OPEN KITCHEN, HOME GYM, OFFICE AND SITTING AREA.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,877
Sqft
0.21 ac
Lot size
2
Garage
2002
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /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
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs SPRUCE CREEK GC
$2 vs $190
Days on market
504 vs 50 typical
Where $2/sqft sits among the 50 homes for sale in SPRUCE CREEK GC
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
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
$285K → $258K
Summerfield median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
25 of 50
SPRUCE CREEK GC have cut their price
Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the SUMMERFIELD 34491 median. See the full Summerfield market guide →
Paper trail
This home's history
Reality check
What actually sold near 12945 SE 93 CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$305,000
13835 SE 85TH CIRCLE · same community
2 bd · 2 ba · 1,822 sqft · $167/sqft · 55 DOM
Sold · Jun ’26$335,000
9037 SE 136TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $165/sqft · 75 DOM
Sold · Jun ’26$358,000
9910 SE 138TH LOOP · same community
3 bd · 2 ba · 2,025 sqft · $177/sqft · 179 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12945 SE 93 CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12945 SE 93 CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
12945 SE 93 CIRCLE FAQs
What would the monthly payment be for 12945 SE 93 CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 12945 SE 93 CIRCLE?+
The listing reports pets: Breed Restrictions, Dogs OK, Pet Deposit, Size Limit. 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 $2,850, this home is listed about 99% below the Summerfield median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12945 SE 93 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.
The brief
Four things that matter here
01Under the SUMMERFIELD 34491 market on paper
$2,850 is 99% below the SUMMERFIELD 34491 median of $274,500, and at $2/sqft it sits under the Summerfield average of $204.
02Garden & Golf Course & Park/Greenbelt views
The garden and golf course and park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
504 days on market against a Summerfield median of 50 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $3,500, now $2,850 — a $650 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY LADY LK · Terri Bramlett. MLS #OM696695.
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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