12551 NE 48th Ter, photo 1
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Overview

3 bd2 ba1,970 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,020/yr
Built2026
Lot6,824 sqft
Living area1,970 sqft
Price / sqft$186
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
DENSAN PARK PH 2
Type
Single Family Residence

True monthly carry

HOA
~$85/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Crown MoldingHigh CeilingsIN Wall Pest SystemOpen FloorplanDishwasherDisposalElectric Water HeaterMicrowave

12551 NE 48th Ter is a 2026-built home in Densan Park Ph 2, Oxford. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,970 square feet of living space. Listed at $366,400 (about $186/sqft), 258 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,020 annually.

From the listing

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.

The essentials

Built
2026
Price / sqft
$186
On market
269 days
Annual tax
$0
HOA
$1,020/yr
Flood zone
X · Low risk
Lot
6,824 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
6,824 sqft lot
Lot size
1,970 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,652/mo
Down payment (20%)
$73,280
Property taxes
$0/mo
HOA
$1,020/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,824 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
269
Crown Molding
High Ceilings
IN Wall Pest System
Open Floorplan
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Wildwood Elementary
Middle
Wildwood Middle
High
Wildwood High

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

Flood Zone X
Annual Tax (2025)
$0
Parcel #
D08H-118

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
Densan Park Ph 2
County
Sumter
MLS Area
34484 - Oxford
Lot Size
6,824 sqft
HOA
$1,020/yr
Vickie Couture

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #OM716549
$366,400-1.3%
$186/sqft
-
Price change
Source: Stellar MLS #OM716549
$371,400-6.7%
$189/sqft
1/13/2026
Listed for sale
Source: Stellar MLS #OM716549
$398,200
$202/sqft

Neighborhood

12551 NE 48th Ter
Oxford, FL, 34484 · 34484 - Oxford

Market insights

Offer Insights

Choose an offer strength

List price: $366,400
$357,500 – $366,400
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 269 after a $31,800 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$2,652/mo
Principal & interest$1,911
Property taxes$473
Insurance$183
HOA$85
Down payment20% · $73,280
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$366,400

$186 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,970 sq ft

Time on market

269 days

Year built

2026

Monthly payment

About $2,652/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $1,020/yr HOA fee.

HOA fee

$1,020/yr

Managed by Vickie Couture.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byADAMS HOMES REALTY INCListing agent: Debbie OwingsListing data from Stellar MLS, MLS# OM716549.

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