
10615 NE 104TH CIRCLE, OXFORD, FL, 34484
Active164 days on marketListed Apr 10, 2026MLS #G5110792
About this home
10615 NE 104TH CIRCLE
Stunning Sumter Crossing Estate! Welcome to this absolutely incredible custom-built estate in the gated community of Sumter Crossing, located in Oxford, Florida. Privately situated on 6.27 fully fenced acres, this true craftsman-style home showcases solid wood details and expert millwork throughout—offering timeless charm paired with high-end functionality. Designed for comfort, security, and versatility, the home includes an attached three-bay garage with an 11-foot high center door. In addition, a pristine detached RV garage offers two bays, including one with a 14’x16’ overhead door—ideal for RVs, boats, or workshop use. All garage spaces are climate-controlled with mini-split A/C systems, and the RV garage includes its own full bath for added convenience. Built to exceptional standards, this home features hurricane-rated, shatter-resistant windows, solid core and fire-rated interior doors, spray foam insulation, a generator for peace of mind during storms. Inside, you'll find stunning ceilings with wood accents, crown molding, tall baseboards, and meticulous wood-trim details throughout. The thoughtfully designed kitchen is the heart of the home, boasting GE Monogram appliances, an induction cooktop, farmhouse sink, expansive countertops, a center island with vegetable sink, a breakfast bar, custom cabinetry with built-in cookbook shelving, and a fully built-out walk-in pantry. It opens beautifully into the grand living room, where custom built-ins and elegant wood ceilings create a warm and inviting atmosphere. A formal dining area and a spacious Florida room—surrounded by windows and filled with natural light—complete the main living space and provide the perfect place for gatherings. The luxurious primary suite is a private retreat with two custom walk-in closets featuring built-in shelving, drawers, and a secure safe. The en-suite bath includes dual sinks, a separate makeup vanity, a large walk-in shower, a water closet, and built-in shelving. In addition, the master closet was designed as a tornado-safe room, built to withstand high winds for added safety. Outside, enjoy the screen-enclosed pool and spacious lanai, complete with a summer kitchen sink—perfect for entertaining. The circular driveway provides ample guest parking, and the fenced backyard includes a separate fenced area for pets or play, with a charming gazebo for shade. Additional features include a spacious laundry room with ample storage, a whole-home audio closet for media and tech systems, dimmer switches on all lighting, a top-tier security system, engineered hardwood flooring, and board and batten siding with stone accents that complete the estate's craftsman curb appeal. This is more than a home—it's a private, well-crafted retreat where quality and comfort shine through every detail.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,308
Sqft
6.27 ac
Lot size
3
Garage
2012
Year built
One
Levels
$391
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.
$8,142 /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
$8,142/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
$391 vs $205
Days on market
164 vs 57 typical
Where $391/sqft sits among the 65 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 →
The numbers that matter
The Oxford market
$335K → $345K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
37 of 65
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 221% above the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 10615 NE 104TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$980,000
10517 NE 27TH STREET · same community
3 bd · 3.5 ba · 3,705 sqft · $265/sqft · 65 DOM
Sold · Apr ’26$1,025,000
2540 NE 108TH LANE
4 bd · 2.5 ba · 2,840 sqft · $361/sqft · 184 DOM
Sold · Jun ’26$900,000
1679 E COUNTY ROAD 462
3 bd · 2.5 ba · 2,744 sqft · $328/sqft · 38 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10615 NE 104TH CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10615 NE 104TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10615 NE 104TH CIRCLE FAQs
What would the monthly payment be for 10615 NE 104TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,142/mo — principal and interest, the actual property-tax bill, the $100/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 10615 NE 104TH CIRCLE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10615 NE 104TH CIRCLE?+
The most recent tax bill on record (2025) was $4,903. 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 10615 NE 104TH CIRCLE?+
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 $1,295,000, this home is listed about 218% above the Oxford median of $407,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$1,295,000 runs 221% above the OXFORD 34484 median — but at 3,308 sqft it's also 71% 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
164 days on market against a Oxford median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,490,000, now $1,295,000 — a $195K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MORRIS REALTY AND INVESTMENTS · Lena Williams. MLS #G5110792.
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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