12551 NE 48TH TERRACE, OXFORD, FL, 34484
Active276 days on marketListed Jan 13, 2026MLS #OM716549
About this home
12551 NE 48TH TERRACE
Promo Price on contract signed by 5 pm 9/25/26. READY NOW! Spacious 3/2 CONCRETE BLOCK home, open floor plan great for entertaining! Tile all areas except bedrooms. Primary bedroom must be seen to appreciate, plenty of space to create a sitting area. Tray ceiling w/crown in master bedroom for that added height. Separate tiled shower in master bath and a large soaking tub with a fixed window to flood area with natural lighting. Upgraded cabinets, Granite countertops kitchen and baths, stainless appliance pkg, Wide Wood look plank tile all areas except bedrooms. Exterior Stone accents and irrigation system. TAEXX pest control system built in walls. Builder warranty! Builder assists with closing costs when Buyer pays cash or closes with Seller approved lender.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,970
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
One
Levels
$186
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.
$2,564 /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
$2,900/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−5.8%
$/sqft vs Oxford actives
$186 vs $211
Days on market
276 vs 82 typical
Where $186/sqft sits among the 69 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)
30 of 69
Oxford actives have cut their price
Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the OXFORD 34484 median. See the full Oxford market guide →
Paper trail
This home's history
Reality check
What actually sold near 12551 NE 48TH TERRACE
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$414,900
11294 BERNING TERRACE
3 bd · 2 ba · 1,970 sqft · $211/sqft · 52 DOM
Sold · Aug ’26$590,000
2252 CENTRAL STREET
3 bd · 2 ba · 2,000 sqft · $295/sqft · 18 DOM
Sold · Dec ’25$530,000
2108 CLARKS HILL WAY
3 bd · 2 ba · 1,927 sqft · $275/sqft · 9 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12551 NE 48TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12551 NE 48TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12551 NE 48TH TERRACE FAQs
What would the monthly payment be for 12551 NE 48TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,564/mo — principal and interest, estimated property taxes, the $85/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 12551 NE 48TH TERRACE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12551 NE 48TH TERRACE?+
The most recent tax bill on record (2025) was $0. 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 12551 NE 48TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $366,400, this home is listed about 4% below the Oxford median of $382,250. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY INC · Debbie Owings. MLS #OM716549.
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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