4560 WATER OAK TERRACE, OXFORD, FL, 34484
Active48 days on marketListed Jun 19, 2026MLS #O6418487
About this home
4560 WATER OAK TERRACE
Under Construction. Experience elevated living in Grand Oaks Manor with this stunning Chesapeake floor plan featuring 2,052 square feet of beautifully designed space with 3 bedrooms +den, 2.5 full baths, and a desirable rear-entry two-car garage. Thoughtfully upgraded throughout, this home blends timeless style with modern comfort. Step inside to find luxury vinyl plank flooring flowing through the main living areas, complemented by upgraded carpeting in the bedrooms for added warmth and comfort. The chef-inspired kitchen is sure to impress with gleaming quartz countertops, a stylish tile backsplash, soft-close cabinetry and drawers, a spacious island, stainless steel appliances, a gas range, and a French door refrigerator—perfect for everyday living. The open-concept design offers generous gathering spaces and seamless indoor-outdoor living, with sliding doors leading to a covered lanai accented by elegant pavers. Additional pavers enhance the driveway, front walkway, and entry, creating exceptional curb appeal. Retreat to beautifully appointed bathrooms featuring tiled showers and designer finishes. Offering the perfect combination of luxury, functionality, and low-maintenance living, this exceptional home is nestled within sought-after Grand Oaks Manor, conveniently located near shopping, dining, entertainment, and The Villages®.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,052
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$203
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.
$2,985 /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
$2,985/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.
vs edgeAI estimate
−3%
$/sqft vs GRAND OAKS MANOR
$203 vs $217
Days on market
48 vs 51 typical
Where $203/sqft sits among the 6 homes for sale in GRAND OAKS MANOR
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 Grand Oaks Manor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oxford. See the full Oxford guide →
Grand Oaks Manor — neighborhood snapshot
Population
15
Median age
78
Median income
$87,832
Median home value
$382,300
Avg household
2
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)
6 of 6
GRAND OAKS MANOR have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4560 WATER OAK TERRACE
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$385,000
10069 LAKE MIONA WAY
3 bd · 2 ba · 2,059 sqft · $187/sqft · 169 DOM
Sold · Jan ’26$572,000
4370 COUNTY ROAD 121D
3 bd · 2 ba · 2,064 sqft · $277/sqft · 193 DOM
Sold · Jun ’26$380,000
10063 LAKE MIONA WAY
3 bd · 2 ba · 2,066 sqft · $184/sqft · 22 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 4560 WATER OAK TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4560 WATER OAK TERRACE — 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
4560 WATER OAK TERRACE FAQs
What would the monthly payment be for 4560 WATER OAK TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,985/mo — principal and interest, the actual property-tax bill, the $150/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 4560 WATER OAK TERRACE?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4560 WATER OAK TERRACE?+
The most recent tax bill on record (2025) was $430. 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 4560 WATER OAK TERRACE?+
The listing reports pets: Yes. 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 $416,990, this home is listed about 2% above the Oxford median of $407,125. The market section on this page shows how the area is trending.
Which schools are assigned to 4560 WATER OAK TERRACE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LENNAR REALTY · Ben Goldstein. MLS #O6418487.
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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