10620 NE 104TH CIRCLE, OXFORD, FL, 34484
Active1 days on marketListed Aug 31, 2026MLS #G5117080
About this home
10620 NE 104TH CIRCLE
Welcome to 10620 NE 104th Cir, a custom-built home nestled on nearly 7 private acres in the prestigious gated community of Sumter Crossing in Oxford, Florida. Known for its expansive acreage homesites, custom residences, equestrian-friendly lifestyle, and convenient location near The Villages, I-75, and the Florida Turnpike, Sumter Crossing offers a rare combination of privacy, space, and accessibility with no age restrictions. This 3-bedroom, 3-bathroom home with a 3-car garage is set on a beautifully wooded and fenced parcel, accessed through a private electric gate. Designed with versatility in mind, the home offers an abundance of living and flex spaces, including a media room, office/den, a separate room off the primary bedroom that could serve as a nursery, home office, or yoga room, and another den or flex room near the entry. A hobby or storage room off the dining area provides even more useful space, while the interior utility room adds convenience. Inside, you'll find 9.5-foot ceilings and a spacious kitchen featuring granite countertops and an abundance of wood cabinetry for storage. The guest bathroom features a dual granite vanity and shower/tub combination. The private primary suite includes a large walk-in closet, dual granite vanity, tiled walk-in shower, and its own additional flex room. Step outside to the spacious screened back porch, where you can relax, entertain, or enjoy your morning coffee while taking in peaceful views of the surrounding wooded acreage. With nearly 7 acres of privacy beyond the porch, this is the perfect place to enjoy the tranquility and natural beauty of your property. Additional features include a new water heater in 2026, 16KW backup generator, a split HVAC system for flexible indoor comfort, and a high-end ECO water filtration system. With nearly 7 acres, a fenced parcel, gated entry, custom construction, and room for horses and outdoor pursuits, this is a property that offers a lifestyle that is increasingly hard to find. Don't miss the opportunity to enjoy privacy, space, and the best of Central Florida living in Sumter Crossing. Call today to schedule your private tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,500
Sqft
6.83 ac
Lot size
3
Garage
2015
Year built
One
Levels
$318
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.
$5,132 /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
$5,132/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.
vs edgeAI estimate
+58.5%
Days on market
1 vs 57 typical
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 → $345K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 95% above the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
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 10620 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 10620 NE 104TH CIRCLE — 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
10620 NE 104TH CIRCLE FAQs
What would the monthly payment be for 10620 NE 104TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,132/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 10620 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 10620 NE 104TH CIRCLE?+
The most recent tax bill on record (2025) was $3,408. 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 10620 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 $795,000, this home is listed about 95% above the Oxford median of $407,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10620 NE 104TH CIRCLE?+
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
01Positioned at the premium end
$795,000 runs 95% above the OXFORD 34484 median — but at 2,500 sqft it's also 29% larger than the typical Oxford listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Oxford market that averages 57 — if it fits, move quickly.
Listing courtesy of EXIT REALTY TRI-COUNTY · Jason Short. MLS #G5117080.
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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