10620 NE 104th Cir, photo 1
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Overview

3 bd2 ba2,500 sqft3 car garageSingle Family
TypeSingle Family
HOA$1,200/yr
Built2015
Lot297,515 sqft
Living area2,500 sqft
Price / sqft$318
Garage3 car

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About this home

Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit BedroomThermostatWindow Treatments

10620 NE 104th Cir is a 2015-built home in Sumter Crossing, Oxford. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,500 square feet of living space. Listed at $795,000 (about $318/sqft), 43 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $1,200 annually.

From the listing

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. Irrigation system professionally updated with new heads and a new WIFI controller. 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!

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The essentials

Built
2015
Price / sqft
$318
On market
43 days
Annual tax
$3,408
HOA
$1,200/yr
Flood zone
A
Lot
297,515 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
3 car garage
Boat
6.83 acres
Lot size
2,500 sqft
Living area

Payment

Est. monthly payment
$4,927/mo
Down payment (20%)
$159,000
Property taxes
$284/mo
HOA
$1,200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
297,515 sqft
Cooling
Central Air
Heating
Central
Parking
Boat, Driveway, Garage Door Opener, Garage Faces Side, Off Street, RV Access/Parking
Days on Market
43
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Window Treatments
Lighting
Private Entrance
Private Yard
Rain Gutters
Smart Irrigation
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Wildwood Elementary
Middle
Wildwood Middle
High
Wildwood High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone A
Annual Tax (2025)
$3,408
Parcel #
C24B019

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sumter Crossing
County
Sumter
MLS Area
34484 - Oxford
Lot Size
297,515 sqft
FloodZoneIn CountyPasturePrivatePavedZoned for Horses
HOA
$1,200/yr
Mike Romer

Price history

Date
Event
Price
8/31/2026
Listed for sale
Source: Stellar MLS #G5117080
$795,000
$318/sqft

Neighborhood

10620 NE 104th Cir
Oxford, FL, 34484 · 34484 - Oxford

Market insights

Offer Insights

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List price: $795,000
$775,000 – $795,000
97.5% – 100% of listTops out right at the list price
80% of listList price
27 of the last 52 home closings in 34484 landed at this number or higher (52%). The median one sat 51 days before it went under contract, and this one is on day 43.

Sample: 52 closed home sales in 34484 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,928/mo
Principal & interest$4,146
Property taxes$284
Insurance$398
HOA$100
Down payment20% · $159,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$795,000

$318 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,500 sq ft

Time on market

43 days

Year built

2015

Monthly payment

About $4,927/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,408 annual tax bill, insurance, and the $1,200/yr HOA fee.

HOA fee

$1,200/yr

Managed by Mike Romer.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Have another question?

Brokered byEXIT REALTY TRI-COUNTYListing agent: Jason ShortListing data from Stellar MLS, MLS# G5117080.

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