New — 1 days on market Single Family Residence
$520,000
3-Bedroom Home in DENSAN PARK PH 1

12615 NE 49TH DRIVE, OXFORD, FL 34484

Single Family Residence in DENSAN PARK PH 1, OXFORD · No CDD · Built 2023
DENSAN PARK PH 1 · OXFORD, FL 34484 · Sumter
Listing data updated August 23, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,972Sq Ft
2023Year Built
$264Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
6% above
$/sq ft vs community
$264 here vs $249 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2023 · 3 yrs
  • 1,972 sq ft of living area
  • 2-car garage
  • New to market
  • HOA ~$50/mo (estimate; confirm)
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.

$0$1.3M$2.6M863,7647,442This home: $520,000, 1,972 sq ftThis homeSale price

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 $264/sq ft.

$38$164$2902012: $7320122013: $672014: $6220142015: $952016: $7720162017: $832018: $10720182019: $1122021: $12620212022: $1932023: $20420232024: $2002025: $26520252026: $2492026

Median sale price by year

12-month median closed price, 2012–2026.

$61k$251k$441k2012: $152k20122013: $97k2014: $123k20142015: $173k2016: $130k20162017: $132k2018: $185k20182019: $220k2021: $178k20212022: $314k2023: $400k20232024: $302k2025: $404k20252026: $385k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 63 (hot).

1154962013: 1920132014: 282015: 3920152016: 422017: 4520172018: 532019: 3520192021: 822022: 8820222023: 462024: 5020242025: 672026: 632026
Property timeline

This home’s history

  • 2023BuiltPer public record
  • Aug 4, 2026First trackedObserved at $520,000
  • 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

$3,329/mo
  • Principal & interest $2,676/mo 80%
  • Taxes $455/mo 14%
  • Insurance $147/mo 4%
  • HOA $50/mo 2%

$3,329/mo at 20% down, 30-yr @ 6.67% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$5,775/yr
$481/mo·effective rate ~1.11%
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 $2,000/yr ($167/mo)
+$3,775 more each year
(+189%)

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
$214,382
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.
$378,020
Market value
$214,360
Assessed
$163,638
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

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

52/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

52/100 is below average 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 area35
This home $264/sq ft vs the community 12-month median $249/sq ft.
Affordability0
List price $520,000 vs the community median $384,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity66
Community median 43 days on market (12-month record).
Renovation upside10
From a 2023 build and $264/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 $264 per square foot, about 6% 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.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated August 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Can we say upgrades? What doesn't this home have? Oh wait!

It doesn't have a CDD or Bond. Only, the low HOA fee of $85. Built in 2023, this home was custom built with an additional 6 feet to the rear of the home making the primary bedroom an incredible 12' by 21' feet!

Let's talk about the primary suite... this bedroom has plenty of space for a king size bed and a sitting area. It has a beautiful built in tray ceiling almost the entire width of the bedroom ceiling with crown molding on the tray ceiling and crown molding on the 9' 4' tall ceiling.

This bedroom has a ceiling fan, upgraded split plantation shutters on the low E windows with custom upgraded trim around the windows, and upgraded wall outlet for the big screen tv. The primary bathroom has upgraded quartz countertops with two undermount sinks, soft close hinges on the cabinets, a roll in shower with glass enclosure and built in niche, tile surround to the ceiling, and upgraded glass accent tile. Both this toilet and the guest toilet is a comfort high rise upgraded toilet.

The primary closet has also been stretched an additional 6 feet with a pocket door for full usable space. The entire home has upgraded porcelain hard wood look like plank tile, upgraded 5 1/4" baseboard, crown molding throughout the home, 9'4" ceilings throughout until you come to the great room which has cathedral ceilings and built in niches, split plantation shutters on all the Low E windows in the home, extra can lighting, ceiling fan in the great room, ceiling fans in all the bedrooms, natural gas with a gas range with convection feature, gas dryer, RHEEM tankless gas water heater with a digital control inside home for adjusting the temperature, smart Nest ac thermostat, Ring Doorbell, fiber internet, brick paver driveway, second meter for irrigation system, a beautiful front covered porch, two car garage with MyQ smart feature, attic stair pulldown, and a painted garage floor. Now, on to the kitchen, 42" cabinets with crown molding and glass feature, soft close hinges, eat in kitchen island with oversized sink, touchless faucet, upgraded glass kitchen backsplash, upgraded QUARTZ countertops, additional outlets in the kitchen, and separate pantry closet.

The home comes with a washer, gas dryer, refrigerator, dishwasher, gas range, and microwave. The separate laundry room is oversized, equipped with a utility sink, shelving and a window to let in natural light. This home has a custom designed 10' by 14' den with ac, triple sliders with blinds in the door on one of them, automatic shutters to let in or shut out the light, an outlet and tv up above the sliding glass door.

Off of the den is a 10' by 14' covered lanai with a ceiling fan and another 30' by 30' concrete patio adjoining the covered lanai. There are two grass runs for your 4 legged family members with a white vinyl fencing privacy fence. The home backs up to nature so no neighbors behind you.

This community has sidewalks throughout, any age group can live here, a mailbox station, underground utilities, street lights, gated entry, common areas, pickleball courts, basketball court, playground, dog park, and with a street legal golf cart you can be in The Villages trails in less than a mile. Publix, Dunkin Donuts, Costco, Bonefish Grill, Olive Garden, Hobby Lobby, Marshalls, Bealls, Pet Smart, CVS, doctor's offices, hair salons and more are all around 1 mile from this location. The Villages charter school is less than a mile!

Come see this gem!

Description provided by JUST A FARMGIRL REALTY LLC 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$520,000
Bed / bath3 / 2
Living area1,972 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #G5115334
Listing statusNew — 1 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountySumter
Area listings598 active · 175 under contract
Estimated first-year tax~$5,460/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$264
Estimated monthly payment$3,329
Insurance (illustrative)$1k–$2k/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 JUST A FARMGIRL REALTY LLC · Listing agent: Susan Steinmetz · 352-267-7850Provided 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.

$431,868the mess$550,188

Actual list price: $520,000 — 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

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
  • 735 active listings competing, 250 under contract

For reference, this home is listed at $520,000 ($264/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,972 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 August 23, 2026.

Keep looking

Similar homes for sale near DENSAN PARK PH 1

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.

Transparency

Price & listing history

Listed for $520,000Momentum 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.)
~$5,460/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)
$1k–$2k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/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
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

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.

Market data · public records

Recent sales activity in DENSAN PARK PH 1

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 DENSAN PARK PH 1 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 DENSAN PARK PH 1

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.

In the area

Recent Zz Stellar Sumter Unassigned news

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.

Ocala-News

Dec 2025 · Retail Dining

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.

352today

Assigned schools

Assigned schools

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.

School zoningThis address is in the Sumter County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
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$2,383 – $3,467/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,017 – −$41At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: August 23, 2026)
Community market statsStellar MLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 12615 NE 49TH DRIVE 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.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.