11041 WHITE TERRACE, OXFORD, FL, 34484
Active155 days on marketListed Feb 20, 2026MLS #OM719246
About this home
11041 WHITE TERRACE
***MAJOR PRICE IMPROVEMENT — EXCEPTIONAL VALUE IN OXFORD OAKS!*** A rare opportunity to own one of the community's most extensively upgraded pool homes. Resort-style living awaits in this beautifully appointed 3BR/4BA residence, offering an exceptional combination of indoor comfort, outdoor entertaining, and thoughtful upgrades. ***Anchored by a breathtaking 16x40 saltwater pool*** with sun shelf, dual waterfalls, and over 1,600 sq ft of paver decking, this property delivers an outstanding outdoor living experience. The impressive 11x57 covered lanai features a custom U-shaped summer kitchen and elevated firepit, creating the ultimate setting for entertaining family and friends. ***Inside, enjoy an expansive 20x30 media room*** with granite service bar and Mitsubishi ceiling cassette, a dedicated pool bath, climate-controlled storage, expanded laundry with pantry, and a flexible bedroom layout with an enlarged fourth-bedroom option. Additional upgrades and thoughtful design elements throughout the home enhance both functionality and everyday living. ***Conveniently located just minutes from The Villages, premier shopping, dining, and medical facilities,*** this exceptional property offers a unique combination of space, upgrades, and resort-style amenities rarely found in a single home. ***Experience the perfect blend of luxury, comfort, and outdoor living that makes this Oxford Oaks home truly exceptional. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
3,051
Sqft
0.48 ac
Lot size
3
Garage
2020
Year built
One
Levels
$226
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.
$4,792 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,792/mo
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.
$/sqft vs Oxford actives
$226 vs $214
Days on market
155 vs 49 typical
Where $226/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
$326K → $360K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
27 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 64% above the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 11041 WHITE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,025,000
2540 NE 108TH LANE
4 bd · 2.5 ba · 2,840 sqft · $361/sqft · 184 DOM
Sold · Aug ’25$656,500
3554 COUNTY ROAD 216
3 bd · 2.5 ba · 2,684 sqft · $245/sqft · 397 DOM
Sold · Feb ’26$535,000
11202 ROZ WAY
3 bd · 2 ba · 2,527 sqft · $212/sqft · 64 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 11041 WHITE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11041 WHITE 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
11041 WHITE TERRACE FAQs
What would the monthly payment be for 11041 WHITE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,792/mo — principal and interest, the actual property-tax bill, the $62/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 11041 WHITE TERRACE?+
The association fee works out to $62 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11041 WHITE TERRACE?+
The most recent tax bill on record (2025) was $7,060. 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 11041 WHITE 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 $689,900, this home is listed about 72% above the Oxford median of $402,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11041 WHITE TERRACE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$689,900 runs 64% above the OXFORD 34484 median — but at 3,051 sqft it's also 54% larger than the typical Oxford listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
155 days on market against a Oxford median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $749,900, now $689,900 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR REAL ESTATE AGENCY LLC · Michelle Bobadilla. MLS #OM719246.
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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