
10640 NE 27TH STREET, OXFORD, FL, 34484
Active9 days on marketListed Oct 3, 2026MLS #G5118399
About this home
10640 NE 27TH STREET
Set behind the gates of Sumter Crossing on 2.2 private acres, this exceptional estate has been completely updated and thoughtfully expanded to offer approximately 4,275 square feet of combined living space. The 3,315-square-foot main residence features four bedrooms and three-and-a-half bathrooms, while a newly added 960-square-foot in-law suite provides an additional bedroom, full bathroom, and complete private living quarters. Inside, soaring 12-foot ceilings in the main living areas, 10-foot bedroom ceilings, 8-foot interior doors, and new wood-look ceramic tile create an immediate sense of scale and sophistication. The open design seamlessly connects the kitchen, living room, family room, and dining area, while a dedicated office overlooks the pool.The showstopping kitchen features 42-inch cabinetry, Cambria quartz countertops, under-cabinet lighting, GE Profile appliances, an induction cooktop, built-in double oven and microwave, and an oversized walk-in pantry with a structured media panel.The thoughtfully designed split floor plan places the primary suite in its own private wing. Its spa-inspired bathroom offers a freestanding soaking tub and an oversized walk-in shower with dual showerheads. In the guest wing, two bedrooms share a Jack-and-Jill bathroom, while a third guest bedroom enjoys a private ensuite. Every bedroom includes a walk-in closet with custom shelving.The newly added in-law suite is a residence unto itself, complete with a full kitchen, living room, laundry room, spacious bedroom, walk-in closet, and full bathroom. Its direct connection to the pool area also allows the bathroom to function conveniently as a pool bath. This beautifully finished space is ideal for extended stays, multigenerational living, or a private guest retreat.Travertine flooring enhances the front porch, rear porch, and pool deck, creating a seamless indoor-outdoor experience. The saltwater pool features a Diamond Brite finish, Pentair variable-speed pump, updated filtration and chlorine-generation systems, and a color-changing LED light. A summer-kitchen area with outdoor cabinetry and Lapitec sintered-stone countertops makes poolside entertaining effortless.Major improvements include a premium Owens Corning architectural-shingle roof installed in January 2025 with a transferable Platinum Protection Warranty and a high-efficiency 20-SEER Lennox HVAC system installed in July 2025. Additional upgrades include spray-foam insulation, double-insulated Low-E tinted windows, whole-house water filtration with leak detection, water softeners for both residences, a hybrid GE water heater, wired security, and comprehensive surge protection. The home is also generator-ready with an exterior connection, panel crossover switches, and the water pump wired for generator power.The oversized three-car garage includes a Level 2 EV charging station. Low-voltage landscape lighting, illuminated driveway columns, and wiring for a future private gate complete the impressive arrival.Located just minutes from The Villages, The Villages Charter School, Publix, Walmart, Costco, Bonefish Grill, shopping, dining, medical facilities, and entertainment, this remarkable property offers the privacy and serenity of acreage living without sacrificing convenience.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,275
Sqft
2.2 ac
Lot size
3
Garage
2014
Year built
One
Levels
$292
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.
$7,981 /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
$7,981/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
−14.8%
$/sqft vs Oxford actives
$292 vs $205
Days on market
9 vs 90 typical
Where $292/sqft sits among the 67 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
The numbers that matter
The Oxford market
$335K → $353K
Oxford median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
32 of 67
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 227% above the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 10640 NE 27TH STREET
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 · Sep ’26$1,123,000
2587 NE 108TH LANE
4 bd · 4.5 ba · 4,389 sqft · $256/sqft · 54 DOM
Sold · Jun ’26$910,000
11207 ROZ WAY
5 bd · 3.5 ba · 3,561 sqft · $256/sqft · 61 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 10640 NE 27TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10640 NE 27TH STREET — 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
10640 NE 27TH STREET FAQs
What would the monthly payment be for 10640 NE 27TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,981/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 10640 NE 27TH STREET?+
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 10640 NE 27TH STREET?+
The most recent tax bill on record (2025) was $6,085. 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 10640 NE 27TH STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,250,000, this home is listed about 214% above the Oxford median of $397,500. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of FLAMINGO REAL ESTATE & MNGMT · Robbie Shoemaker. MLS #G5118399.
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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