12547 NE 48TH TERRACE, OXFORD, FL, 34484
Active223 days on marketListed Dec 23, 2025MLS #OM715518
About this home
12547 NE 48TH TERRACE
READY NOW. THIS HOME QUALIFIES FOR A LOW INTEREST RATE BUYDOWN PROMOTION WHEN BUYER CLOSES WITH A SELLER APPROVED LENDER AND SIGNS A CONTRACT BY 5PM ON 8/15/26. Newly revised floor plan! Come see the enhanced version of the original popular 3/2 Split plan. Plenty of upgrades in this home. Begin with the Craftsman exterior showcasing stone accents, tapered columns and shake shingle in the eaves. Enter into a 10’ Ceiling wood look tiled foyer. Separate dining area directly off the kitchen with access to the back covered lanai. Plenty of counterspace in the kitchen complete with Stainless Steel Frigidaire Range, Microwave, Dishwasher and garbage disposal. Granite counters and upgraded wood-stained cabinets finished with matte black hardware. Island with sink and dishwasher and Matte black Plumbing Fixtures opens to the great room and provides counter seating area. Feel the openness of 10’ ceilings in the Great Room. Primary bedroom complete with ensuite bath boasting a 5’ Tiled Shower in lieu of a garden tub, granite countertop with dual sinks a large linen closet, private water closet and generous walk-in closet. Indoor laundry off the garage. Call today for your private tour.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,512
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
One
Levels
$230
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.
$2,450 /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
$2,769/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.
vs edgeAI estimate
−1.7%
$/sqft vs Oxford actives
$230 vs $214
Days on market
223 vs 49 typical
Where $230/sqft sits among the 61 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)
29 of 61
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12547 NE 48TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$374,900
519 WESTON MANOR DRIVE
3 bd · 2 ba · 1,505 sqft · $249/sqft · 21 DOM
Sold · Sep ’25$360,000
2700 PLAINRIDGE LOOP
3 bd · 2 ba · 1,546 sqft · $233/sqft · 88 DOM
Sold · Sep ’25$475,000
467 WESTON MANOR DRIVE
3 bd · 2 ba · 1,559 sqft · $305/sqft · 88 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 12547 NE 48TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12547 NE 48TH 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
12547 NE 48TH TERRACE FAQs
What would the monthly payment be for 12547 NE 48TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,450/mo — principal and interest, estimated property taxes, the $85/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 12547 NE 48TH TERRACE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12547 NE 48TH TERRACE?+
The most recent tax bill on record (2025) was $0. 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 12547 NE 48TH TERRACE?+
The listing reports pets: Number Limit, 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 $348,350, this home is listed about 13% below the Oxford median of $402,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12547 NE 48TH TERRACE?+
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
01Under the OXFORD 34484 market on paper
$348,350 is 17% below the OXFORD 34484 median of $419,000, and at $230/sqft it sits under the Oxford average of $237.
02Time on market is leverage
223 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 $374,350, now $348,350 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY INC · Debbie Owings. MLS #OM715518.
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 12547 NE 48TH TERRACE 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 →