
10086 KETCH KAY LANE, OXFORD, FL, 34484
Active10 days on marketListed Aug 22, 2026MLS #G5116580
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Upcoming open house
Sat, Sep 5
1:00 PM – 3:00 PM
About this home
10086 KETCH KAY LANE
WATERFRONT 3-BEDROOM VILLA IN LAKESIDE LANDINGS | PANORAMIC WATER VIEWS | MASSIVE LANAI | FRESHLY PAINTED EXTERIOR | 2022 HVAC Welcome to your own slice of Florida paradise! This beautiful 3-bedroom, 2-bath WATERFRONT VILLA in gated Lakeside Landings in Oxford, FL, just minutes from The Villages, combines breathtaking WATER VIEWS, fabulous OUTDOOR LIVING and that laid-back Florida lifestyle you've been dreaming about. A BRICK-PAVER DRIVEWAY leads to a screened entry and one seriously charming first impression—a gorgeous STAINED-GLASS LEADED FRONT DOOR WITH TRANSOM WINDOW. Step inside to SOARING VAULTED CEILINGS, abundant natural light and PANORAMIC WATER VIEWS that immediately draw your eyes outside. THREE SOLAR TUBES make the home feel even brighter and more inviting. The desirable SPLIT-BEDROOM FLOOR PLAN provides privacy for owners and guests. The front guest bedroom features an adorable BAY WINDOW, while the updated guest bath is filled with natural light. You'll also find a dedicated laundry room and ATTIC STAIRS for additional storage access. And that VIEW! The peaceful waterfront setting can be enjoyed from the PRIMARY BEDROOM, LIVING ROOM AND KITCHEN—because even doing the dishes feels a little more relaxing when this is your backdrop! The kitchen features a STONE BACKSPLASH, PULL-OUT CABINET DRAWERS, CUSTOM PLEATED BLINDS, NEW FAUCET and NEW GARBAGE DISPOSAL. The primary suite offers tranquil WATER VIEWS and CUSTOM CALIFORNIA CLOSETS, while both baths feature NEW FAUCETS. The living room has been refreshed with NEW MOHAWK WOOD-COMPOSITE FLOORING, with ceramic tile throughout much of the remaining home. But the real magic happens OUTSIDE! The enormous WATERFRONT OUTDOOR LIVING AREA is truly the CROWN JEWEL of this home. The covered lanai features STAMPED CONCRETE + 12-FOOT POWER SUNSHADE and opens to a LARGE EXTENDED PATIO overlooking the water. Start your mornings with coffee by the water, spend sunny afternoons lounging in the Florida sunshine, and end the day with a glass of wine while watching the GLORIOUS SUNSETS paint the sky over the water. Now THAT'S Florida living! Need even more room to soak up the Florida sunshine? An additional BRICK-PAVER PATIO provides the perfect spot for grilling, lounging, and enjoying sunny afternoons by the water. With multiple outdoor living areas and a view like this, REST AND RELAXATION are practically built into the home. More highlights include a 2022 HVAC, 1-YEAR-OLD WATER HEATER, FRESHLY PROFESSIONALLY PAINTED EXTERIOR and FRONT + REAR RAIN GUTTERS, CUSTOM CALIFORNIA CLOSETS and ATTIC ACCESS—adding to its move-in-ready appeal. Located in desirable Lakeside Landings near The Villages, this waterfront villa offers beautiful views, incredible outdoor living and a lifestyle that feels like vacation every day. The water is sparkling, the sunsets are spectacular, the lanai is calling, and your Florida lifestyle is waiting. Come see this waterfront beauty for yourself!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,508
Sqft
0.16 ac
Lot size
2
Garage
2011
Year built
One
Levels
$212
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.
$2,388 /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
$2,388/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−9.8%
$/sqft vs Oxford actives
$212 vs $211
Days on market
10 vs 57 typical
Where $212/sqft sits among the 64 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 Villages Of Lakeside Landings
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oxford. See the full Oxford guide →
Villages Of Lakeside Landings — neighborhood snapshot
Population
622
Median age
56
Median income
$90,739
Median home value
$387,800
Avg household
2
Households w/ children
50%
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 → $345K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
33 of 64
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 10086 KETCH KAY LANE
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$300,000
5116 NEPTUNE CIRCLE · same community
3 bd · 2 ba · 1,537 sqft · $195/sqft · 6 DOM
Sold · Oct ’25$246,000
5071 HARBOUR DRIVE · same community
3 bd · 2 ba · 1,592 sqft · $155/sqft · 76 DOM
Sold · Dec ’25$250,000
10156 MAINSAIL DRIVE · same community
3 bd · 2 ba · 1,592 sqft · $157/sqft · 202 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10086 KETCH KAY LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10086 KETCH KAY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10086 KETCH KAY LANE FAQs
What would the monthly payment be for 10086 KETCH KAY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,388/mo — principal and interest, the actual property-tax bill, the $176/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 10086 KETCH KAY LANE?+
The association fee works out to $176 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10086 KETCH KAY LANE?+
The most recent tax bill on record (2025) was $321. 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 10086 KETCH KAY 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 $320,000, this home is listed about 21% below the Oxford median of $407,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10086 KETCH KAY LANE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER VANGUARD LIFESTYLE REALTY · Kristen Miller. MLS #G5116580.
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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