12539 NE 48TH TERRACE, OXFORD, FL, 34484
Active93 days on marketListed May 3, 2026MLS #OM723989
About this home
12539 NE 48TH TERRACE
Under 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.Popular 4/2 CONCRETE BLOCK home. Gated community with amenities, pickle ball courts, playground and more. Convenient to The Villages, Retail stores, variety of grocers, restaurants, medical services, 13 minutes from VA Clinic. Stunning curb appeal begins with stone accents. Step through the decorative Glass front door into a generous foyer with 10’ Ceiling, split plan. Flooring is all tile except for the bedrooms. Upgraded cabinets in kitchen and baths complete with stone countertops. Stainless steel appliances in the kitchen. Inside laundry room between the garage and the kitchen. Vaulted ceilings in the family and dining room. Primary bath includes the often requested 5’ tiled shower in lieu of tub/shower combo. 14 x10 Patio is truss covered, perfect for outdoor living.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,635
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
One
Levels
$217
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.
$2,493 /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
$2,818/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
+3.9%
$/sqft vs Oxford actives
$217 vs $214
Days on market
93 vs 51 typical
Where $217/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 15% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12539 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 · Jul ’26$335,000
3188 HUDSON COURT
3 bd · 2 ba · 1,662 sqft · $202/sqft · 105 DOM
Sold · Jul ’26$380,000
401 CALHOUN COURT
3 bd · 2 ba · 1,663 sqft · $229/sqft · 3 DOM
Sold · Sep ’25$400,000
2712 PLAINRIDGE LOOP
3 bd · 2 ba · 1,572 sqft · $254/sqft · 61 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 12539 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 12539 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
12539 NE 48TH TERRACE FAQs
What would the monthly payment be for 12539 NE 48TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,493/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 12539 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 12539 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 12539 NE 48TH 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 $355,150, this home is listed about 12% below the Oxford median of $405,250. The market section on this page shows how the area is trending.
Which schools are assigned to 12539 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
$355,150 is 15% below the OXFORD 34484 median of $419,500, and at $217/sqft it sits under the Oxford average of $223.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $380,150, now $355,150 — 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 #OM723989.
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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