DORY VILLAS/LK MIONA · Oxford, FL 34484 · Sumter County
Listing data checked against the MLS November 8, 2026 at 5:27 PM ET · rechecked hourly
Listed by ERA GRIZZARD REAL ESTATE (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
2Bathrooms
1,402Sq Ft
2006Year Built
$146Per Sq Ft
1-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
36% below
$/sq ft vs community
$146 here vs $227 median sold (12 mo)
Buyer leverage
Strong buyer advantage
74 days on market
507.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~70 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
5368 Compass Point #202 in Dory Villas/Lk Miona, Oxford is listed at $205,000 (1,402 sq ft, about $146 per sq ft). That is 39% below Dory Villas/Lk Miona's median closed sale of $335,000 over the last 12 months (13 recorded sales). Per square foot it is below the community's recent $227/sq ft by about 36%. It has been listed Aug 26, 2026, longer than the community's typical 12 days to contract. Listing facts: built in 2006, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2006 · 20 yrs
1,402 sq ft of living area
1-car garage
listed Aug 26, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
Short Sale. Charming Former Model 2/2 Condo in Lakeside Landings – Resort-Style Living Near The Villages! Welcome to this beautifully maintained 2-bedroom, 2-bathroom former model home located in the highly desirable gated waterfront community of Lakeside Landings, just minutes from Lake Sumter Landing and all The Villages dining and shopping options!
This light-filled home boasts an open-concept layout with vaulted ceilings, plantation shutters, and tile flooring throughout the main living areas. The spacious kitchen features Corian countertops, ample cabinet space, a built-in desk, and a breakfast bar, opening seamlessly to the dining and living areas. Enjoy Florida living at its best with an expansive screened lanai that spans the length of the condo, offering peaceful park-like views and no rear neighbors.
Step just outside to one of two community pools – this one offering a quiet, serene setting just steps from your door. The luxurious primary suite includes a walk-in closet, vaulted ceilings, and an en suite bath with double vanities and a walk-in shower. The second bedroom offers a double closet and plantation shutters, with a full second bath featuring a tiled tub/shower combo.
Additional features include indoor laundry space off the kitchen (washer & dryer included) All kitchen appliances included 1-car garage with extra storage and interior access Low-maintenance living with lawn care, pest control, irrigation, and trash service included in the HOA. Gated community with resort-style amenities. Community amenities include resort-style pool with waterfalls, spa, and bar area, second serene pool and spa, 13,000 sq ft clubhouse with fitness center, ballroom, billiards, card room & library, pickleball, tennis & basketball courts, Dog park, playground, sandy beach, and 140’ fishing pier with Lake Miona access.
SHORT SALE approval of lender required.
All 30 photos
Description provided by ERA GRIZZARD REAL ESTATE and reproduced from the MLS; not independently verified.
Listing courtesy of ERA GRIZZARD REAL ESTATE · Listing agent: Felecia Humphrey · 352-787-6966Provided 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
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 1,402 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 8, 2026.
How it stacks up
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for DORY VILLAS/LK MIONA. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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$205,000
Bed / bath2 / 2
Living area1,402 sq ft
Year built2006
Property typeCondominium
Garage1-car
MLS #G5116396
Listing statuslisted Aug 26, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~70 ft
CountySumter
Area listings550 active · 147 under contract
Estimated first-year tax~$1,900/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$146
Estimated monthly payment$1,352
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$335,000
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
Financing
Estimated monthly payment
$1,352/mo
Principal & interest $1,111/mo82%
Taxes $158/mo12%
Insurance $82/mo6%
$1,352/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Sumter County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
Current owner’s estimated bill $2,250/yr ($188/mo) — taxable value $183,560 × 12.28 mills
$350 less each year
(−16%)
The current taxable value ($183,560) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$183,560
Market value
$183,560
Assessed
$183,560
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 5368 Compass Point #202
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $2,250/yr (certified county roll, taxable value × millage). Buy at the asking price of $205,000 and the first-year bill resets to about $1,900/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Sumter County is $1,728/yr (656 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2006. An original roof would be about 20 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $302/month (tax $158, insurance $144). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$500–$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
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
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
~70 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Sumter County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningRelatively High
Strong windRelatively High
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2006BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 26, 2026)
Aug 27, 2026First seen on our siteObserved at $205,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $205,000ERA GRIZZARD REAL ESTATE · listed Aug 26, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
82/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
82/100 is strong 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 area100
This home $146/sq ft vs the community 12-month median $227/sq ft.
Affordability100
List price $205,000 vs the community median $335,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~70 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity50
Community median 12 days on market, ~507.7 months of supply (12-month record).
Pricing power71
Recent sales closed at about 93.8% of original asking (~6.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 507.7 months of supply in the surrounding market and 74 days on market for this home, against a 12-day area median.Days on market:this home 74Area median: 12 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. As of November 6, 2026.
🟡 Asking $146 per square foot, about 36% below the community’s $227 median. Sumter County’s 12-month median sold price per square foot is $227. Confidence: Medium · 13 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.
47% of homes in Sumter County are owner-occupied. An estimated 53% are non-owner-occupied, including 16% held in a company or trust and 9% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 2079 homes matched. Community-level context.
Recent Sumter County sales closed near 93.8% of original asking.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 November 6, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 550 active listings in Sumter County, no CDD assessment.
Checked against the MLS November 8, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ERA GRIZZARD REAL ESTATE · MLS # G5116396
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Keep looking
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Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
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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.
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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.
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.
Items worth confirming for 5368 Compass Point #202, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 1,402 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 $1,900/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $350 less per year than the current owner’s estimated bill (−16%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: November 8, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 5368 Compass Point #202 and when was it built?
Per the listing record, 5368 Compass Point #202 was built in 2006 and has 1,402 sq ft of living area, 2 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 5368 Compass Point #202 in?
5368 Compass Point #202 is in Dory Villas/Lk Miona in Oxford, Sumter County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 5368 Compass Point #202 have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 5368 Compass Point #202 differ from the current owner's?
The estimate on this page (about $1,900 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $350 less per year than the current owner’s estimated bill (−16%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5368 Compass Point #202 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 5368 COMPASS POINT #202 in person
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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.
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1 / 1 photosListing courtesy of ERA GRIZZARD REAL ESTATE
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.
