Chad Creech
$325,0003 bd3 ba1,276 sqft$255 /sqft$2,479 /mo all-in ↓

12039 LAKESHORE WAY, OXFORD, FL, 34484

Active10 days on marketListed Jul 29, 2026MLS #G5115610

Priced 20% below the OXFORD 34484 medianSingle Family ResidenceLAKESHORE AT LAKE ANDREWS

About this home

12039 LAKESHORE WAY

Move-in ready and built in 2023, this two-bedroom, two-bath tiny home in Lakeshore at Lake Andrews, a land-lease cottage community in Oxford, packs 1,051 square feet into a smart, well-used floor plan. A designated living room and dining room give the home defined spaces to gather and eat. The kitchen is the heart of the home, anchored by a huge island, a metal range hood, soft-close cabinetry and drawers throughout, a pantry closet, and abundant natural light. The primary suite has a walk-in closet and a full ensuite bath with step-in shower. A second bedroom offers its own walk-in closet plus a nearby bath with a step-in shower and a separate linen closet. There is also a full size waher and dryer in the home. Sliding glass doors in the kitchen lead to the pavered courtyard. Across the courtyard is a detached, 225-square-foot in-law suite with its own private entrance gives this home real flexibility, complete with a private ensuite bath and its own mini-split unit for independent heating and cooling — perfect for visiting family, a guest suite, or a home office. To complete the private courtyard feel, there is a one-car detached garage with paver driveway, and walkway connecting the outdoor spaces. The yard is partially fenced with a side fence and a front fence with a decorative entry gate, and a whole-home water softener is already in place. The home also has two covered porches. The front porch welcomes you home, and the large back porch opens off both the dining area and the primary bedroom. Lakeshore at Lake Andrews offers a clubhouse, community pool, fitness center, laundry mat for the bulky items, pickleball court, dog park, and a walking trail along the shoreline of Lake Andrew, with a lakeside gazebo and fire pit for evenings outside. This is a land-lease community with lot rent of $1,000 a month.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,276

Sqft

0.09 ac

Lot size

1

Garage

2023

Year built

One

Levels

$255

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl
AppliancesWater Filtration System · Dishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorKitchen/Family Room Combo · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Open Floorplan · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingMini-Split Unit(s) · Central Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorRain Gutters · Sliding Doors · Courtyard

Community & fees

Taxes (2025)$3,141/yr
PetsCats OK, Dogs OK, Yes
CommunityDock · Lake · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,479 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property tax — 2025 actual bill$262
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,375
Interest rate6.00%
Loan term

Estimated payment

$2,479/mo

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property taxes (actual bill)$262
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Oxford actives

$255 vs $214

Days on market

10 vs 54 typical

Where $255/sqft sits among the 62 Oxford actives

12
19
16
7 · this home
3
5
$139–176$176–214$214–251$251–289$289–326$326+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Oxford

Map of 12039 LAKESHORE WAY

Drive times from this address

Downtown Orlando60 min
Universal Orlando63 min
Walt Disney World71 min
Orlando Int’l Airport (MCO)75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Oxford. See the full Oxford guide →

OXFORD 34484 — neighborhood snapshot

Population

5,409

Median age

51.1

Median income

$90,826

Median home value

$375,800

Avg household

2.18

Households w/ children

509

For the school run

Sumter County School District

ElementaryWildwood Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Oxford market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$335K$345K

Oxford median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

36 of 62

Oxford actives have cut their price

Median sold price, Oxford, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 20% below the OXFORD 34484 median. See the full Oxford market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $325,000 · 10 days on market since
2023Built · LAKESHORE AT LAKE ANDREWS

Reality check

What actually sold near 12039 LAKESHORE WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12122 GRAND OAK LANESold · Feb ’26

$340,000

12122 GRAND OAK LANE

3 bd · 3 ba · 1,367 sqft · $249/sqft · 39 DOM

3319 ROHAN ROADSold · Mar ’26

$302,500

3319 ROHAN ROAD

3 bd · 2 ba · 1,444 sqft · $209/sqft · 16 DOM

12040 LAKESHORE WAYSold · Mar ’26

$234,900

12040 LAKESHORE WAY

2 bd · 2 ba · 1,085 sqft · $216/sqft · 152 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 12039 LAKESHORE WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12039 LAKESHORE WAY — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12039 LAKESHORE WAY FAQs

What would the monthly payment be for 12039 LAKESHORE WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,479/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 12039 LAKESHORE WAY?+

The most recent tax bill on record (2025) was $3,141. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 12039 LAKESHORE WAY?+

The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Oxford?+

At $325,000, this home is listed about 20% below the Oxford median of $405,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12039 LAKESHORE WAY?+

Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of DOWN HOME REALTY, LLLP · Kelly Shipes. MLS #G5115610.

IDX 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 accurate by Stellar MLS.

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