10561 NE 104th Cir, photo 1
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Overview

4 bd3 ba3,088 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,100/yr
Built2023
Lot223,027 sqft
Living area3,088 sqft
Price / sqft$356
Garage2 car

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About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main Floor

10561 NE 104th Cir is a 2023-built home in Sumter Xing, Oxford. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,088 square feet of living space. Listed at $1,099,900 (about $356/sqft), 226 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,100 annually.

From the listing

5.12 fenced acres • Gated community • 6 miles to The Villages • Horse & livestock friendly • Includes 3D walkthrough & video tour Rare opportunity to own a custom-built 2023 block home on 5.12 fully fenced acres in the gated Sumter Crossing community in Oxford, Florida, approximately 6 miles from The Villages and minutes from Wildwood, US-301, Florida's Turnpike, and I-75. Zoned for equine and bovine, this property offers flexibility for horse enthusiasts, livestock, hobby farming, recreational use, or buyers seeking acreage with room to expand. Designed for comfort and efficiency, this 3,088-square-foot residence features 10-foot ceilings, 8-foot interior doors, luxury vinyl plank flooring, and an open-concept layout centered around a brick wood-burning fireplace with gas starter. The chef's kitchen features quartz countertops, a 48-inch gas range, oversized island, custom cabinetry, wine bar, walk-in pantry, and built-in coffee station. The primary suite includes a custom walk-in closet with premium organization. Additional custom features include built-in bookshelves, custom cabinetry, and a mudroom bench. Enjoy outdoor living with a covered brick-paver lanai featuring a full summer kitchen and a fully fenced property offering space for horses, livestock, recreation, gardening, or future improvements. Energy-efficient upgrades include Icynene spray-foam attic insulation, injected-foam block construction on the front elevation, dual gas tankless water heaters, a Generac 24kW whole-home generator, buried 1,000-gallon propane tank, salt-filtration water softener, private well, septic system, and a 3-zone HVAC system. The oversized 2.5-car garage features epoxy flooring, dual EV charging pre-wiring, a dedicated mechanical room, second attic access, and a 100-amp electrical junction box ready for a future barn, workshop, detached garage, or guest house, subject to applicable approvals. The smart-home package includes connected locks, thermostats, garage controls, video doorbell, and smoke/carbon monoxide detection. Conveniently located in Sumter County, this property offers quick access to shopping, dining, medical facilities, golf, and entertainment in The Villages, while maintaining the privacy of a gated acreage community. Whether you're searching for a horse property, equestrian estate, acreage home, hobby farm, or custom-built home, this move-in-ready property combines modern construction, energy-efficient systems, quality finishes, and usable land in a prime Central Florida location. Includes 3D walkthrough and professional video tour.

The essentials

Built
2023
Price / sqft
$356
On market
311 days
Annual tax
$5,161
HOA
$1,100/yr
Flood zone
X500 · Low risk
Lot
223,027 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
Circular Driveway
5.12 acres
Lot size
3,088 sqft
Living area

Payment

Est. monthly payment
$6,808/mo
Down payment (20%)
$219,980
Property taxes
$430/mo
HOA
$1,100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
223,027 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side, Golf Cart Garage
Days on Market
311
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
French Doors
Outdoor Kitchen
Private Entrance
Private Mailbox
Sidewalk
Sprinkler Metered
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Tankless Water Heater
Washer
Water Filtration System
Wine Refrigerator
Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$5,161
Parcel #
C24B010

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 Xing
County
Sumter
MLS Area
34484 - Oxford
Lot Size
223,027 sqft
FarmIn CountyLandscapedPastureZoned for Horses
HOA
$1,100/yr
Janel Ortengren

Price history

Date
Event
Price
8/12/2026
Price change
Source: Stellar MLS #OM714193
$1,099,900-4.3%
$356/sqft
-
Price change
Source: Stellar MLS #OM714193
$1,149,900-8.0%
$372/sqft
12/2/2025
Listed for sale
Source: Stellar MLS #OM714193
$1,249,900
$405/sqft

Neighborhood

10561 NE 104th Cir
Oxford, FL, 34484 · 34484 - Oxford

Market insights

Offer Insights

Choose an offer strength

List price: $1,099,900
$1.07M – $1.10M
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 311 after a $150,000 cut.

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
$6,808/mo
Principal & interest$5,736
Property taxes$430
Insurance$550
HOA$92
Down payment20% · $219,980
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 is the fee 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

$1,099,900

$356 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,088 sq ft

Time on market

311 days

Year built

2023

Monthly payment

About $6,808/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,161 annual tax bill, insurance, and the $1,100/yr HOA fee.

HOA fee

$1,100/yr

Managed by Janel Ortengren.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byPROFESSIONAL REALTY OF OCALAListing agent: Lina PiedrahitaListing data from Stellar MLS, MLS# OM714193.

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