About 30 percent of the three-story structure collapsed around 3 a.m. Monday, Lake County Fire Rescue Battalion Chief Tony Cuellar said, and another section was sinking. The development's president said the resort underwent geological testing when it was built about 15 years ago, showing the ground to be stable, and that there were no signs before Sunday that a sinkhole was developing. He said all affected guests had been given other rooms.
Witnesses told The Associated Press they could hear a cracking sound as the villa began sinking. A large crack was visible at the building's base.
Luis Perez, who was staying at a villa near the sinking one, said he was in his room when the lights went off around 11:30 p.m. He said he was on his way to the front desk to report the outage when he saw firefighters and police outside.
"I started walking toward where they were at and you could see the building leaning and you could see a big crack at the base of the building," said Perez, 54, of Berona, N.J.
Maggie Ghamry, a guest at the resort, said that when she first heard shaking and glass breaking, she thought it might be kids running down the hall.
"Next thing I know, people are yelling, `Get out of the building, get out of the building,"' she said in an interview on ABC's "Good Morning America."
Paul Caldwell, the development's president, said a window popped in one of the rooms about 10:30 p.m. Sunday. A woman ran outside and flagged down a security guard, who notified management. Another window then popped and a decision was made to immediately evacuate the building, Caldwell said. The process took 10 to 15 minutes, he said.
The section of the building sank into the ground over next five hours, said Amy Jedele, a resort guest who was staying with her fiancee, Darren Gade, in a building about 100 yards away. Residents who had been inside the building described hearing what sounded like thunder and then the sound of water, as if it were a thunderstorm, she said.
The first portions to sink were the walkways and the elevator shaft, Gade said.
"You could see the ground falling away from the building where the building started leaning," Gade said. "People were in shock to see a structure of that size just sink into the ground slowly. ... You could see the stress fractures up the side of the structure getting wider."
Caldwell said 48 three-story units are a total loss. The resort has about 900 units spread over a large area about 10 miles west of Walt Disney World.
"No one is hurt," Caldwell said. "Thank God for that."
The sinkhole, which is in the middle of the villa, is about 40 to 50 feet in diameter, Cuellar said. He said authorities think it was getting deeper but couldn't tell early Monday if it was growing outward. A nearby villa was also evacuated as a precaution and that there had been a sign of a gas leak, but the gas had been shut off.
Summer Bay is described on its website as a luxury resort with condominiums, two-bedroom villas and vacation houses in addition to standard rooms. The site touts a clubhouse, atrium and poolside bar, and says the resort is on a secluded 64-acre lake.
Florida has a long, ongoing problem with sinkholes, which cause millions of dollars in damage in the state annually. On March 1, a sinkhole underneath a house in Seffner, about 60 miles southwest of the Summer Bay Resort, swallowed a man who was in his bed. His body was never recovered.
But such fatalities and injuries are rare, and most sinkholes are small. Sinkholes can develop quickly or slowly over time.
They are caused by Florida's geology -- the state sits on limestone, a porous rock that easily dissolves in water, with a layer of clay on top. The clay is thicker in some locations making them even more prone to sinkholes.
Other states sit atop limestone in a similar way, but Florida has additional factors like extreme weather, development, aquifer pumping and construction.
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