12045 NE 51ST CIR, OXFORD, FL, 34484
Active10 days on marketListed Sep 11, 2026MLS #G5117006
About this home
12045 NE 51ST CIR
Florida Living at its finest! Welcome to this beautifully upgraded 3 bedroom, 2 bathroom Camellia Model in the desirable Bison Valley neighborhood, offering immediate golf cart access to all the amenities of The Villages with NO BOND or CDD fees. Inside, the open concept layout features high ceilings, durable Luxury Vinyl Plank flooring, and a modernized kitchen equipped with 2025 stainless steel appliances, granite countertops, and ample cabinetry. The spacious primary suite features tray ceilings that create added depth, two closets, and a remodeled spa like shower, while two versatile guest bedrooms provide comfortable accommodations for family, guests, or a home office. Step outside to a private backyard oasis complete with a sparkling, solar-heated pool tucked away from neighboring views. Conveniently located just minutes from top schools, shopping, dining, recreation, and major highways, this move-in ready property perfectly captures the essence of Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,006
Sqft
0.22 ac
Lot size
2
Garage
2008
Year built
One
Levels
$239
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.
$3,416 /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
$3,416/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
−31.1%
$/sqft vs Oxford actives
$239 vs $205
Days on market
10 vs 57 typical
Where $239/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)
38 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 19% above the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12045 NE 51ST CIR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$460,000
12160 NE 51ST CIRCLE · same community
4 bd · 2 ba · 2,101 sqft · $219/sqft · 22 DOM
Sold · Nov ’25$299,000
12046 NE 51ST CIRCLE · same community
3 bd · 2 ba · 1,572 sqft · $190/sqft · 427 DOM
Sold · Dec ’25$275,000
5068 NE 121ST AVENUE · same community
3 bd · 2 ba · 1,488 sqft · $185/sqft · 176 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12045 NE 51ST CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12045 NE 51ST CIR — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12045 NE 51ST CIR FAQs
What would the monthly payment be for 12045 NE 51ST CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,416/mo — principal and interest, the actual property-tax bill, the $29/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 12045 NE 51ST CIR?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12045 NE 51ST CIR?+
The most recent tax bill on record (2025) was $2,340. 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 12045 NE 51ST CIR?+
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 $479,000, this home is listed about 18% above the Oxford median of $407,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of GARRISON REALTY GROUP LLC · Jennifer Garrison. MLS #G5117006.
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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