8646 Oakstone Circle, Leesburg, FL 34788
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 17, 2026, 8646 Oakstone Circle in Oakstone Farms, Leesburg is listed at $399,990 (2,154 sq ft, about $186 per sq ft). It has been 49 days on market. Listing facts: new construction, waterfront, HOA dues of $100/mo. 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.
- No CDD assessment on record
- New construction — built 2026
- 2,154 sq ft of living area
- 2-car garage
- Listed at $399,990 — recent neighborhood median sale price ~$371,100 (nearby sales; deemed reliable, not an appraisal)
- 49 days on market
- HOA $100/mo (per listing)
About this home
Under Construction. Set within Oakstone Farms, a thoughtfully planned community surrounded by the beauty and recreation of Florida's renowned Harris Chain of Lakes, this location captures the spirit of relaxed, active living. More than 50,000 acres of sparkling waterways stretch across eight scenic lakes connected by winding canals, creating endless opportunities for boating, fishing, and memorable days on the water.
Within the neighborhood, dedicated greenspace, a dog park, and a tot lot provide inviting spaces to unwind, while the charm of Mount Dora and Tavares brings boutique shopping, dining, and vibrant festivals to the area. Everyday conveniences are just minutes away in Leesburg, only 5.5 miles from the community, all complemented by a super low HOA. This homesite sits on a pond, delivering beautiful water views right from the property.
The Miramar home design reflects this lifestyle from the moment you arrive, with a driveway and entry adorned with brick pavers, an 8' front door, and durable architectural shingles that set a welcoming, polished tone. Landscaping with irrigation wraps the front and sides of the home, keeping the exterior lush year-round. Step through the foyer to find 9'4" ceilings and ceramic tile floors throughout the main areas, combining to create an elegant and inviting first impression.
The open floor plan flows seamlessly from room to room, with the great room bathed in natural light. Triple-panel patio doors extend the space to a 9'4" screened-in lanai, ideal for relaxing, entertaining, or enjoying the outdoors year-round. The gourmet kitchen blends style and functionality with a large quartz-topped island, stainless steel appliances including a gas range, and a spacious pantry, designed to accommodate meal prep, hosting, or casual dining alike.
Tucked privately at the rear, the primary suite provides a serene retreat with plush carpet underfoot, a generous walk-in closet, and a spa-inspired bath featuring an oversized tiled shower with glass enclosure and a conveniently placed linen closet. Three additional bedrooms, each finished with comfortable carpet, are positioned near the foyer, including one with a private bath, well suited as a guest room, home office, or fitness space. A secondary bathroom includes a tiled shower and tub combination.
Everyday convenience continues with a centrally located laundry room including a washer and gas dryer, a gas tankless water heater for efficient, on-demand hot water, and a built-in Smart Home Package featuring a Ring Video Doorbell, smart thermostat, keyless entry smart door lock, and Deako switches. The spacious two-car garage provides ample storage, while the full builder warranty adds lasting peace of mind. With its thoughtful design, seamless indoor-outdoor living, pond views, and the natural beauty and recreational lifestyle of Oakstone Farms and the Harris Chain of Lakes all around it, the Miramar blends comfort, style, and Florida living at its finest.
All 6 photos
Description provided by NEW HOME STAR FLORIDA LLC and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,216/mo 80%
- Taxes $350/mo 13%
- Insurance $105/mo 4%
- HOA $100/mo 4%
$2,771/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 8646 Oakstone Circle
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.
| HOA dues | $100/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Lake County is $1,756/yr (3,500 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 $1,000–$2,000/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 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Lake County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Oakstone Farms market
How this home is priced against recent nearby sales, and where Oakstone Farms has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2026BuiltPer public record
- Aug 4, 2026First seen on movewithmomentum.comObserved at $418,990
- Sep 17, 2026Price cut$399,990 (-$19,000, -4.5%)
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in OAKSTONE FARMS in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $371,100 ($173/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 6 comparable closed sales in OAKSTONE FARMS (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,978 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.7% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $399,990 ($186/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 11% spread on the same house — here is what a model can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — this home carries HOA dues of $100/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 3 active listings competing, 4 under contract
- ≈24.0 months of supply
- 3 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (6); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 17, 2026.
Momentum Property Score
56/100 is solid, mid-pack 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.
Coverage: 5 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 49 days on market for this home, against a 103-day area median.Days on market:this home 49Area median: 103 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 2026 through 2026. As of September 20, 2026.
🟡 Asking $186 per square foot, about 8% above the community’s $173 median. Oakstone Farms’s 12-month median sold price per square foot is $173. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 4 active listings in Oakstone Farms, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by NEW HOME STAR FLORIDA LLC · MLS # O6429569
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More on OAKSTONE FARMS
Go deeper on OAKSTONE FARMS
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.
Assigned schools
Schools currently assigned to this address in Lake 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 8646 Oakstone Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 Lake County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,154 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 $4,200/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 17, 2026) |
| Comparable sales | Stellar MLS closed sales in OAKSTONE FARMS, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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.
Frequently asked questions
How big is 8646 Oakstone Circle and when was it built?
Per the listing record, 8646 Oakstone Circle was built in 2026 and has 2,154 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 8646 Oakstone Circle in?
8646 Oakstone Circle is in Oakstone Farms in Leesburg, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 8646 Oakstone 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 8646 Oakstone Circle differ from the current owner's?
The estimate on this page (about $4,200 per year) assumes reassessment at the list price less the homestead exemption. 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 8646 Oakstone Circle 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.
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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.
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.