12145 GRAND OAK LANE, OXFORD, FL, 34484
Active45 days on marketListed Jun 23, 2026MLS #G5114078
Come see it
Upcoming open house
Sat, Aug 8
11:00 AM – 1:00 PM
Come and explore this beautiful 588 ft.² feet home in Lakeshore at Lake Andrews. Oxford Florida minutes from the villages
About this home
12145 GRAND OAK LANE
Private Cottage Retreat Near The Villages Tucked beneath the canopy of Grand Oaks in Lakeshore at Simple Life, this beautifully upgraded cottage offers the perfect blend of charm, convenience, and low-maintenance Florida living. Start your mornings with coffee on your private courtyard patio, complete with a pull-down sunshade, and unwind in the evenings in your own peaceful outdoor retreat. Inside, luxury vinyl plank flooring, tray ceilings in both the living room and bedroom, remote-controlled blinds, and an upgraded ceiling fan create a bright, elevated living space designed for comfort and style. A side-by-side washer and dryer, storage shed, covered carport, and durable metal roof add everyday convenience and lasting value. Just minutes from The Villages, you'll enjoy quick access to shopping, dining, entertainment, golf, and healthcare while coming home to a vibrant resort-style community. Move-in ready and thoughtfully upgraded, this is Florida cottage living at its finest—schedule your private showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
588
Sqft
0.06 ac
Lot size
2022
Year built
One
Levels
$281
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,141 /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
$2,141/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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 Oxford actives
$281 vs $214
Days on market
45 vs 54 typical
Where $281/sqft sits among the 62 Oxford actives
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 Oxford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oxford. See the full Oxford guide →
OXFORD 34484 — neighborhood snapshot
Population
5,409
Median age
51.1
Median income
$90,826
Median home value
$375,800
Avg household
2.18
Households w/ children
509
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oxford market
$335K → $353K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
36 of 62
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12145 GRAND OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$131,000
12129 GRAND OAK LANE · same community
1 bd · 1 ba · 588 sqft · $223/sqft · 134 DOM
Sold · Jul ’26$138,000
3607 UMBRELLA TREE LANE · same community
2 bd · 2 ba · 772 sqft · $179/sqft · 121 DOM
Sold · Sep ’25$159,500
12133 GRAND OAK LANE
1 bd · 1 ba · 725 sqft · $220/sqft · 203 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12145 GRAND OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12145 GRAND OAK LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12145 GRAND OAK LANE FAQs
What would the monthly payment be for 12145 GRAND OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,141/mo — principal and interest, the actual property-tax bill, the $875/mo association fee 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.
How much are the HOA fees at 12145 GRAND OAK LANE?+
The association fee works out to $875 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12145 GRAND OAK LANE?+
The most recent tax bill on record (2025) was $745. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12145 GRAND OAK LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 Oxford?+
At $165,000, this home is listed about 59% below the Oxford median of $405,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12145 GRAND OAK LANE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of DOWN HOME REALTY, LLLP · Michael Hanson. MLS #G5114078.
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.
Never miss a listing
New Oxford homes, in your inbox
Like 12145 GRAND OAK LANE but not quite? A daily digest of every new listing in Oxford — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →