4921 NE 123RD LANE, OXFORD, FL, 34484
Active22 days on marketListed Jul 14, 2026MLS #OM728339
About this home
4921 NE 123RD LANE
REAL pictures !! Move-in ready 3BR/2BA in a GATED community in Oxford, just 5 minutes north of The Villages. The HOA fee is INCLUDED in the rent! Enjoy top-notch amenities such as a pool, spa, fitness center, clubhouse, playground, and basketball courts, with NO age restrictions. Open-concept layout with vaulted ceilings connects the kitchen, dining & living areas; kitchen offers a long breakfast bar for extra seating. Diagonal light laminate in main areas, carpet in bedrooms, vinyl in baths. Relax on the screened lanai with ceiling fans overlooking a peaceful pond, framed by mature tropical landscaping with extra space from rear neighbors. A/C JUST 2 years. Conveniently located near Walmart and the new Costco in Oxford, as well as restaurants, grocery stores, shopping, and salons. A stone's throw from The Villages Charter School North Campus.. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,425
Sqft
0.09 ac
Lot size
1
Garage
2012
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/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.
$/sqft vs Oxford actives
$1 vs $215
Days on market
22 vs 51 typical
Where $1/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
$335K → $353K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
29 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 100% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 4921 NE 123RD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$405,000
12407 NE 48TH LOOP · same community
4 bd · 3 ba · 2,414 sqft · $168/sqft · 88 DOM
Sold · Sep ’25$427,500
2807 LEICESTER TERRACE
3 bd · 2 ba · 1,413 sqft · $303/sqft · 2 DOM
Sold · Jul ’26$390,000
2849 LEICESTER TERRACE
3 bd · 2 ba · 1,413 sqft · $276/sqft · 57 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 4921 NE 123RD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4921 NE 123RD LANE — 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
4921 NE 123RD LANE FAQs
What would the monthly payment be for 4921 NE 123RD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4921 NE 123RD LANE?+
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 $1,900, this home is listed about 100% below the Oxford median of $405,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4921 NE 123RD LANE?+
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
$1,900 is 100% below the OXFORD 34484 median of $416,990, and at $1/sqft it sits under the Oxford average of $222.
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 $2,100, now $1,900 — a $200 cut. The full history is in the market section below.
Listing courtesy of WILMEK REAL ESTATE LLC · Ingrid Serna. MLS #OM728339.
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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