David Ramirez
$1,149,900$1,249,9004 bd3 ba3,088 sqft$372 /sqft$7,318 /mo all-in ↓

10561 NE 104TH CIRCLE, OXFORD, FL, 34484

Active235 days on marketListed Dec 2, 2025MLS #OM714193

Reduced $100KSingle Family ResidenceSUMTER XING

About this home

10561 NE 104TH CIRCLE

5.12 fenced acres • Gated community • 6 miles to The Villages • Horse & livestock friendly • Includes 3D walkthrough & video tour Rare opportunity to own a custom-built 2023 block home on 5.12 fully fenced acres in the gated Sumter Crossing community in Oxford, Florida, approximately 6 miles from The Villages and minutes from Wildwood, US-301, Florida's Turnpike, and I-75. Zoned for equine and bovine, this property offers flexibility for horse enthusiasts, livestock, hobby farming, recreational use, or buyers seeking acreage with room to expand. Designed for comfort and efficiency, this 3,088-square-foot residence features 10-foot ceilings, 8-foot interior doors, luxury vinyl plank flooring, and an open-concept layout centered around a brick wood-burning fireplace with gas starter. The chef's kitchen features quartz countertops, a 48-inch gas range, oversized island, custom cabinetry, wine bar, walk-in pantry, and built-in coffee station. The primary suite includes a custom walk-in closet with premium organization. Additional custom features include built-in bookshelves, custom cabinetry, and a mudroom bench. Enjoy outdoor living with a covered brick-paver lanai featuring a full summer kitchen and a fully fenced property offering space for horses, livestock, recreation, gardening, or future improvements. Energy-efficient upgrades include Icynene spray-foam attic insulation, injected-foam block construction on the front elevation, dual gas tankless water heaters, a Generac 24kW whole-home generator, buried 1,000-gallon propane tank, salt-filtration water softener, private well, septic system, and a 3-zone HVAC system. The oversized 2.5-car garage features epoxy flooring, dual EV charging pre-wiring, a dedicated mechanical room, second attic access, and a 100-amp electrical junction box ready for a future barn, workshop, detached garage, or guest house, subject to applicable approvals. The smart-home package includes connected locks, thermostats, garage controls, video doorbell, and smoke/carbon monoxide detection. Conveniently located in Sumter County, this property offers quick access to shopping, dining, medical facilities, golf, and entertainment in The Villages, while maintaining the privacy of a gated acreage community. Whether you're searching for a horse property, equestrian estate, acreage home, hobby farm, or custom-built home, this move-in-ready property combines modern construction, energy-efficient systems, quality finishes, and usable land in a prime Central Florida location. Includes 3D walkthrough and professional video tour.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,088

Sqft

5.12 ac

Lot size

2

Garage

2023

Year built

One

Levels

$372

Per sqft

FireplacePets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Same Floor As Condo Unit · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side · Golf Cart Garage
ExteriorFrench Doors · Outdoor Kitchen · Private Entrance · Private Mailbox · Sidewalk · Sprinkler Metered

Community & fees

HOA fee$92/mo
Taxes (2025)$5,161/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterWell

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.

$7,318 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property tax — 2025 actual bill$430
HOA fee — from the listing$92
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $114,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $114,990
Interest rate6.00%
Loan term

Estimated payment

$7,318/mo

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property taxes (actual bill)$430
HOA / condo fee$92
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.1M
$497KedgeAI estimate $576,904 · range $518K$612K$1.2M

vs edgeAI estimate

+99.3%

$/sqft vs Oxford actives

$372 vs $213

Days on market

235 vs 49 typical

Where $372/sqft sits among the 64 Oxford actives

13
25
11
8
3
4 · this home
$140–179$179–217$217–256$256–295$295–334$334+

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

Map of 10561 NE 104TH CIRCLE

Drive times from this address

Downtown Orlando69 min
Universal Orlando72 min

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

ElementaryWildwood Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Oxford market

Seller’s marketLeans buyer7.5 months of inventoryBuyer’s market

$326K$360K

Oxford median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

28 of 64

Oxford actives have cut their price

Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 174% above the OXFORD 34484 median. See the full Oxford market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,149,900 $100K
Dec 2, 2025Listed at $1,249,900 · 235 days on market since
2023Built · SUMTER XING

Reality check

What actually sold near 10561 NE 104TH CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2540 NE 108TH LANESold · Apr ’26

$1,025,000

2540 NE 108TH LANE

4 bd · 2.5 ba · 2,840 sqft · $361/sqft · 184 DOM

1679 E COUNTY ROAD 462Sold · Jun ’26

$900,000

1679 E COUNTY ROAD 462

3 bd · 2.5 ba · 2,744 sqft · $328/sqft · 38 DOM

3554 COUNTY ROAD 216Sold · Aug ’25

$656,500

3554 COUNTY ROAD 216

3 bd · 2.5 ba · 2,684 sqft · $245/sqft · 397 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10561 NE 104TH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10561 NE 104TH CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

10561 NE 104TH CIRCLE FAQs

What would the monthly payment be for 10561 NE 104TH CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,318/mo — principal and interest, the actual property-tax bill, the $92/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 10561 NE 104TH CIRCLE?+

The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10561 NE 104TH CIRCLE?+

The most recent tax bill on record (2025) was $5,161. 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 10561 NE 104TH CIRCLE?+

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 $1,149,900, this home is listed about 186% above the Oxford median of $402,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10561 NE 104TH CIRCLE?+

Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,149,900 runs 174% above the OXFORD 34484 median — but at 3,088 sqft it's also 56% larger than the typical Oxford listing.

02Time on market is leverage

235 days on market against a Oxford median of 49 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $1,249,900, now $1,149,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of PROFESSIONAL REALTY OF OCALA · Lina Piedrahita. MLS #OM714193.

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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