10615 NE 104TH CIRCLE, Oxford, FL, 34484 | $1,490,000

Stunning Sumter Crossing Estate! Welcome to this absolutely incredible custom-built estate in the gated community of Sumter Crossing, located in Oxford, Florida. Privately situated on 6. 27 fully fenced acres, this true craftsman-style home showcases solid wood details and expert millwork throughout—offering timeless charm paired with high-end functionality. Designed for comfort, security, and versatility, the home includes an attached three-bay garage with an 11-foot high center door and a Back Yard Buddy 4-post car lift with a 7, 000 lb. capacity for serious car enthusiasts or collectors. In addition, a pristine detached RV garage offers two bays, including one with a 14’x16’ overhead door—ideal for RVs, boats, or workshop use. All garage spaces are climate-controlled with mini-split A/C systems, and the RV garage includes its own full bath for added convenience. Built to exceptional standards, this home features hurricane-rated, shatter-resistant windows, solid core and fire-rated interior doors, spray foam insulation, a generator for peace of mind during storms. Inside, you'll find stunning ceilings with wood accents, crown molding, tall baseboards, and meticulous wood-trim details throughout. The thoughtfully designed kitchen is the heart of the home, boasting GE Monogram appliances, an induction cooktop, farmhouse sink, expansive countertops, a center island with vegetable sink, a breakfast bar, custom cabinetry with built-in cookbook shelving, and a fully built-out walk-in pantry. It opens beautifully into the grand living room, where custom built-ins and elegant wood ceilings create a warm and inviting atmosphere. A formal dining area and a spacious Florida room—surrounded by windows and filled with natural light—complete the main living space and provide the perfect place for gatherings. The luxurious primary suite is a private retreat with two custom walk-in closets featuring built-in shelving, drawers, and a secure safe. The en-suite bath includes dual sinks, a separate makeup vanity, a large walk-in shower, a water closet, and built-in shelving. In addition, the master closet was designed as a tornado-safe room, built to withstand high winds for added safety. Outside, enjoy the screen-enclosed pool and spacious lanai, complete with a summer kitchen sink—perfect for entertaining. The circular driveway provides ample guest parking, and the fenced backyard includes a separate fenced area for pets or play, with a charming gazebo for shade. Additional features include a spacious laundry room with ample storage, a whole-home audio closet for media and tech systems, dimmer switches on all lighting, a top-tier security system, engineered hardwood flooring, and board and batten siding with stone accents that complete the estate's craftsman curb appeal. This is more than a home—it's a private, well-crafted retreat where quality and comfort shine through every detail.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Style: Custom
  • Year Built: 2012
  • Garage: 3-car Bath In Garage, Circular Driveway, Garage Door Opener, Oversized, RV Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,308
  • Acreage: 6.27
  • Est. Taxes: $4,903
  • HOA Fee: $1,200 Annually
  • Lot Desc: Level, Zoned for Horses
  • Elem. School: Wildwood Elementary
  • Middle School: Wildwood Middle
  • High School: Wildwood High
  • Pool: Gunite, Heated, In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Refrigerator, Tankless Water Heater
  • MLS#: G5110792
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /eprop/G5110792/10615ne104thcircle_oxford_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). 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. (last updated 5/18/2026 10:32:51 AM)
Listing courtesy of MORRIS REALTY AND INVESTMENTS   Phone: 352-435-4663

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

10615 NE 104TH CIRCLE, Oxford, FL, 34484

$1,490,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,192,000 $1,192,000 $1,192,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.349% 6.183%
Monthly Tax Payment $409 $409 $409
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,147 $7,339 $10,059
Total Monthly Payment $7,681 $7,873 $10,593

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.