12103 GRAND OAK LANE, OXFORD, FL, 34484
Active7 days on marketListed Oct 5, 2026MLS #O6445854
About this home
12103 GRAND OAK LANE
RARE COTTAGE HOME in Lakeshore at Lake Andrew! Nestled beneath majestic oak trees draped in Spanish moss, this beautifully maintained 2023 cottage-style home offers a peaceful Florida lifestyle in Lakeshore at Lake Andrew, tucked along the western edge of The Villages. Inside, you’ll find a bright, open split-floor plan with high ceilings, crown molding, abundant natural light, luxury vinyl flooring throughout the main living areas, and ceramic tile in both bathrooms. The kitchen is the heart of the home, featuring stainless steel appliances, quartz countertops, upgraded fixtures, and an open layout overlooking the main living space and outdoor patio with a bar window that combines the two for easy indoor-outdoor living and entertaining. The enclosed patio room creates an inviting space for morning coffee, relaxing evenings, or enjoying the views of the front yard and mature trees. The private primary suite features large windows overlooking the garden, a spacious walk-in closet, and an upgraded bathroom with a tiled walk-in shower, glass door, quartz vanity, and pocket door for added privacy. On the opposite side of the home, the generously sized guest bedroom offers a double-door closet and easy access to the second full bathroom and built-in laundry area. Enjoy the lifestyle that comes with Lakeshore at Lake Andrew. The monthly fee includes the land lease, lawn care and landscaping, water, sewer, trash, cable, and high-speed internet, along with an impressive collection of amenities including a resort-style pool, pickleball courts, yoga and fitness room, fishing pier, dog park, EV charging, community garden, grills, and a cozy firepit gathering area. It’s low-maintenance living without giving up the fun. Whether you're looking for a comfortable full-time residence, an elegant seasonal escape, or a vacation home your guests will love, this rare cottage-style home offers something special: a beautiful place to live, a peaceful place to unwind, and a Florida lifestyle worth enjoying.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
772
Sqft
0.08 ac
Lot size
2022
Year built
One
Levels
$246
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 — not generic estimates.
$1,618 /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
$1,618/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
+24.3%
$/sqft vs Oxford actives
$246 vs $205
Days on market
7 vs 91 typical
Where $246/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 50% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12103 GRAND OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$234,900
12040 LAKESHORE WAY · same community
2 bd · 2 ba · 1,085 sqft · $216/sqft · 152 DOM
Sold · Feb ’26$340,000
12122 GRAND OAK LANE · same community
3 bd · 3 ba · 1,367 sqft · $249/sqft · 39 DOM
Sold · Jul ’26$138,000
3607 UMBRELLA TREE LANE
2 bd · 2 ba · 772 sqft · $179/sqft · 121 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 12103 GRAND OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12103 GRAND OAK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12103 GRAND OAK LANE FAQs
What would the monthly payment be for 12103 GRAND OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,618/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12103 GRAND OAK LANE?+
The most recent tax bill on record (2024) was $3,064. 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 12103 GRAND OAK 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 $190,000, this home is listed about 52% below the Oxford median of $395,745. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the OXFORD 34484 market on paper
$190,000 is 50% below the OXFORD 34484 median of $382,250.
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 7 days on market in a Oxford market that averages 91 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MARKET CONNECT REALTY LLC · Jenna Loyd. MLS #O6445854.
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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