12606 NE 48TH STREET, OXFORD, FL, 34484
Active191 days on marketListed Jan 26, 2026MLS #OM717388
About this home
12606 NE 48TH STREET
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. CONCRETE BLOCK CONSTRUCTION. Spacious 4/2/2, front bedroom with double doors make a fabulous home office. Enjoy the feel of openness with vaulted ceilings throughout the kitchen, bedrooms and dining room as well as 10’H ceilings in the foyer and family room. You will find upgraded cabinets and granite countertops in the kitchen and bathrooms along with stainless appliances (Range, Microwave and Dishwasher). Tile in all areas of the home except the bedrooms which are carpeted. The master bath has the 5’ tiled shower in lieu of a tub/shower combo. Combine all that with the curb appeal to include stone accents, the 3rd CAR GARAGE and call it home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,820
Sqft
0.18 ac
Lot size
3
Garage
2026
Year built
One
Levels
$213
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.
$2,696 /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
$3,051/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
+16.8%
$/sqft vs Oxford actives
$213 vs $215
Days on market
191 vs 51 typical
Where $213/sqft sits among the 60 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)
35 of 60
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12606 NE 48TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$579,000
342 MCCORMICK LANE
3 bd · 2 ba · 1,838 sqft · $315/sqft · 55 DOM
Sold · Apr ’26$438,500
1958 SOMERSET AVENUE
3 bd · 2 ba · 1,879 sqft · $233/sqft · 49 DOM
Sold · Jan ’26$310,000
12185 NE 51ST CIRCLE
3 bd · 2 ba · 1,889 sqft · $164/sqft · 150 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 12606 NE 48TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12606 NE 48TH STREET — 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
12606 NE 48TH STREET FAQs
What would the monthly payment be for 12606 NE 48TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,696/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 12606 NE 48TH STREET?+
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 12606 NE 48TH STREET?+
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 12606 NE 48TH STREET?+
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 $387,250, this home is listed about 5% below the Oxford median of $407,125. The market section on this page shows how the area is trending.
Which schools are assigned to 12606 NE 48TH STREET?+
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
$387,250 is 7% below the OXFORD 34484 median of $416,990, and at $213/sqft it sits under the Oxford average of $229.
02Time on market is leverage
191 days on market against a Oxford median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $413,850, now $387,250 — a $27K 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 #OM717388.
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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