12609 NE 48TH STREET, OXFORD, FL, 34484
Active113 days on marketListed Apr 14, 2026MLS #OM722771
About this home
12609 NE 48TH STREET
Under Construction. Brand New Block Home construction. 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. Curb appeal enhanced with stone accents and irrigation system. Enjoy the railed front porch for those incredible sunset views. Estimated completion Jul/Aug barring any unforeseen setbacks in materials or labor. Spacious split and open floorplan. Roomy secondary bedrooms all the same size. You will love the additional height of the tray ceiling complete with crown molding in the master bedroom with an ensuite bathroom complete with a Large 5' tiled shower in lieu of a garden tub, granite countertops on upgraded cabinets throughout, stainless appliances, mini-blind insert in rear door to covered patio. Tile flooring in all areas except bedrooms, TAEXX in-wall pest control system. Builder Warranty! Closing costs paid when using Seller Approved lenders. Elevation photo is rendering and used for illustration purposes only. INTERIOR PHOTOS are the same floorplan in different home just for reference of potential finished product. Colors and options WILL vary.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,755
Sqft
0.18 ac
Lot size
2
Garage
2026
Year built
One
Levels
$215
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.
$2,635 /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
$2,981/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
+14.5%
$/sqft vs Oxford actives
$215 vs $214
Days on market
113 vs 51 typical
Where $215/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)
28 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 9% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12609 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 · Dec ’25$375,000
3165 MANSFIELD STREET
3 bd · 2 ba · 1,733 sqft · $216/sqft · 48 DOM
Sold · Jun ’26$428,000
2861 LEICESTER TERRACE
3 bd · 2 ba · 1,699 sqft · $252/sqft · 15 DOM
Sold · May ’26$335,000
1932 ALISTAR COURT
3 bd · 2 ba · 1,695 sqft · $198/sqft · 63 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 12609 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 12609 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
12609 NE 48TH STREET FAQs
What would the monthly payment be for 12609 NE 48TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,635/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 12609 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 12609 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 12609 NE 48TH STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $377,550, this home is listed about 7% below the Oxford median of $405,250. The market section on this page shows how the area is trending.
Which schools are assigned to 12609 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
$377,550 is 9% below the OXFORD 34484 median of $415,945, and at $215/sqft it sits under the Oxford average of $222.
02Time on market is leverage
113 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 $402,550, now $377,550 — a $25K 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 #OM722771.
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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