


$1,390,000
10615 104th Circle
Oxford, FL 34484
Listing updated: August 20, 2026 at 12:24 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history66 days on market
- Status: ActiveAug 20, 2026
- Listed$1,490,000Apr 10, 2026
- Price reduced$1,390,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 66
- Subdivision
- Sumter Xing
- County
- Sumter
- Year built
- 2012
- Living area
- 3,308 sq ft
- Price/sq ft
- $420
- Building area
- 7,115 sq ft (Public Records)
- Lot size
- 273,121 sq ft
- Lot category
- 5 to less than 10
- Flood zone
- X500 (12119C0062D)
- Garage
- 3 spaces
- Pool
- Private pool
- Annual taxes
- $4,903 (2025)
- Parcel #
- C24B008
- Zoning
- 0104R
- MLS #
- G5110792
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Ceramic Tile, Hardwood
- Appliances
- Cooktop, Dishwasher, Refrigerator, Tankless Water Heater
- Interior features
- Ceiling Fans(s), Crown Molding, Kitchen/Family Room Combo, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- South
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
- Parking features
- Bath In Garage, Circular Driveway, Garage Door Opener, Oversized, RV Garage
HOA & Financial
- HOA fee
- $1,200 / Annually
- Monthly HOA
- $100/mo
- Total monthly fees
- $100/mo
- Total annual fees
- $1,200
- HOA name
- Mike Rummer
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- See restrictions.
Exterior & Construction
- Exterior features
- Dog Run
- Construction materials
- Stone, Wood Siding
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Well
- Utilities
- Electricity Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 22x16 |
| Florida Room | First | 16x20 |
| Kitchen | First | 16x29 |
| Dining Room | First | 16x17 |
| Primary Bedroom | First | 18x16 |
| Primary Bathroom | First | 12x12 |
| Bedroom 2 | First | 13x16 |
| Bedroom 3 | First | 16x13 |
| Balcony/Porch/Lanai | First | 12x20 |
Listing Details
- Listing date
- 2026-04-10
- On market date
- 2026-04-10
- Original list price
- $1,490,000
- Occupant type
- Owner
- MLS area
- 34484 - Oxford
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-08-20
- Tax legal description
- LOT 8 SUMTER CROSSING PB 8 PGS 9-9D
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US 441 Take FL-44 W to Sumter County Rd 219 in Sumter County, Continue on Sumter County Rd 219. Take Sumter County Rd 221 and Sumter County Rd 223 to NE 104th Circle.
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