Single Family Residence in SUMTER CROSSING, OXFORD · No CDD
SUMTER CROSSING · OXFORD, FL 34484 · Sumter
Listing data updated September 6, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,500Sq Ft
2015Year Built
$318Per Sq Ft
3-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
28% above
$/sq ft vs community
$318 here vs $249 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 6, 2026, 10620 Ne 104Th Circle in Sumter Crossing, Oxford is listed at $795,000 (2,500 sq ft, about $318 per sq ft). That is 107% above Sumter Crossing's median closed sale of $384,950 over the last 12 months (42 recorded sales). Per square foot it is above the community's recent $249/sq ft by about 28%. It came to market within the past week. Listing facts: built in 2015, HOA dues of $100/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2015 · 11 yrs
2,500 sq ft of living area
3-car garage
New to market
HOA $100/mo (per listing)
Momentum Research · N/A
Pricing & the N/A market
How this home is priced against recent nearby sales, and where N/A has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in N/A
Each dot is a closed sale since 2004 (563 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $318/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 63 (hot).
Property timeline
This home’s history
2015BuiltPer public record
Sep 2, 2026First trackedObserved at $795,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$5,174/mo
Principal & interest $4,108/mo79%
Taxes $696/mo13%
Insurance $270/mo5%
HOA $100/mo2%
$5,174/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Sumter County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,325/yr ($277/mo)
+$5,825 more each year
(+175%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$237,102
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
37/100
Strongest on: Buyer competition (76), Pricing power (67)
0 limited50100 exceptional
37/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $318/sq ft vs the community 12-month median $249/sq ft.
Affordability0
List price $795,000 vs the community median $384,950. Not a measure of personal affordability.
Market liquidity66
Community median 43 days on market (12-month record).
Renovation upside11
From a 2015 build and $318/sq ft vs the community median $249/sq ft. Not a condition assessment.
Buyer competition76
24% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power67
Recent sales closed at about 94.6% of original asking (~5.4% below). More room below asking generally favors buyers.
Market timing37
Momentum Market Heat is 63/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $318 per square foot, about 28% above the community’s $249 median. N/A’s 12-month median sold price per square foot is $249. Median sold price per square foot is down 4.8% year over year. Confidence: Very High · 42 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent N/A sales closed near 94.6% of original asking. Cash paid for about 24% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 598 active listings in N/A, no CDD assessment.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
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. 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!
Description provided by EXIT REALTY TRI-COUNTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$795,000
Bed / bath3 / 2
Living area2,500 sq ft
Year built2015
Property typeSingle Family Residence
Garage3-car
MLS #G5117080
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountySumter
Area listings598 active · 175 under contract
Estimated first-year tax~$8,348/yr
CDD assessmentNone on record
HOA (per listing)$100/mo
Calculated estimates
Price per sq ft$318
Estimated monthly payment$5,174
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$384,950
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of EXIT REALTY TRI-COUNTY · Listing agent: Jason Short · 352-385-3948Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$547,500the mess$697,500
Actual list price: $795,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $100/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 43-day community median
609 active listings competing, 164 under contract
For reference, this home is listed at $795,000 ($318/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,500 sq ft × $219–$279/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near SUMTER CROSSING
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $795,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$8,348/yr
A rough first-year estimate only, applying a typical Sumter rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$100/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by EXIT REALTY TRI-COUNTY · MLS # G5117080
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Market data · public records
Recent sales activity in SUMTER CROSSING
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the SUMTER CROSSING neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$384,950
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$249
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SUMTER CROSSING
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
May 2026 · Development
Ocala approves large mixed-use development with up to 2,700 residences in southwest Ocala
The Ocala City Council approved a mixed-use development on about 251 acres along Southwest 43rd Court in southwest Ocala, clearing the way for up to roughly 2,700 residential units along with nearly one million square feet of commercial, office, and retail space.
Why it matters: A mixed-use community of this scale adds substantial future housing and commercial space to southwest Ocala, the kind of growth that can shape demand and pricing for nearby communities. The site is about 10 miles north of Zz Stellar Sumter Unassigned.
New Publix-anchored shopping center planned in Marion Oaks
A Publix-anchored shopping center is planned at Southwest Highway 484 and Southwest 49th Court Road in the Marion Oaks area south of Ocala, adding grocery and retail to a fast-growing part of Marion County.
Why it matters: A new grocery-anchored center adds everyday retail to the Marion Oaks area, the kind of amenity that shapes convenience and demand for nearby communities. The site is about 4 miles north of Zz Stellar Sumter Unassigned.
Schools currently assigned to this address in Sumter County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Wildwood ElementaryAssigned elementary school · Sumter County School District · Grade A (Florida DOE 2025-26)
Wildwood MiddleAssigned middle school · Sumter County School District
Wildwood HighAssigned high school · Sumter County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,644 – $5,300/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,637 – −$147At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 10620 Ne 104Th Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Sumter County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,500 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $8,348/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
OXFORD
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 6, 2026)
Community market stats
Stellar MLS closed sales, as of July 15, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 10620 Ne 104Th Circle and when was it built?
Per the listing record, 10620 Ne 104Th Circle was built in 2015 and has 2,500 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10620 Ne 104Th Circle in?
10620 Ne 104Th Circle is in Sumter Crossing in Oxford, Sumter County. The community section on this page shows recent closed sales, days on market, and active inventory for Sumter Crossing from the same MLS data.
Does 10620 Ne 104Th Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $100 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 10620 Ne 104Th Circle differ from the current owner's?
The estimate on this page (about $8,348 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10620 Ne 104Th Circle in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10620 NE 104TH CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
