Dan Schriver
$418,9904 bd3 ba2,154 sqft$195 /sqft$2,932 /mo all-in ↓

8646 OAKSTONE CIRCLE, LEESBURG, FL, 34788

Active2 days on marketListed Jul 30, 2026MLS #O6429569

New constructionWaterfrontSingle Family ResidenceOAKSTONE FARMS

About this home

8646 OAKSTONE CIRCLE

Pre-Construction. To be built. 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.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,154

Sqft

0.16 ac

Lot size

2

Garage

2026

Year built

One

Levels

$195

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Tankless Water Heater · Washer
InteriorEating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryGas Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingNatural Gas

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouthwest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Rain Gutters · Sliding Doors

Community & fees

HOA fee$100/mo
Taxes (2025)$239/yr
PetsYes
CommunityDog Park · Playground

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

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

$2,932 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property tax — 2025 actual bill$20
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,665Loan30-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% · $14,665
Interest rate6.00%
Loan term

Estimated payment

$2,932/mo

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property taxes (actual bill)$20
HOA / condo fee$100
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.

List $419K
$359KedgeAI estimate $378,721 · range $374K$385K$436K

vs edgeAI estimate

+10.6%

$/sqft vs OAKSTONE FARMS

$195 vs $178

Days on market

2 vs 50 typical

Where $195/sqft sits among the 6 homes for sale in OAKSTONE FARMS

3
0
1
0
2
0 · this home
$167–172$172–176$176–181$181–185$185–190$190+

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 Leesburg

Map of 8646 OAKSTONE CIRCLE

Drive times from this address

Downtown Orlando60 min
Universal Orlando62 min
Walt Disney World70 min
Orlando Int’l Airport (MCO)74 min

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

Get to know Leesburg. See the full Leesburg guide →

LEESBURG 34788 — neighborhood snapshot

Population

21,867

Median age

56.4

Median income

$57,477

Median home value

$168,900

Avg household

2.33

Households w/ children

1,648

For the school run

Lake County School District

ElementaryTreadway Elementary School★★★★★
HighLeesburg High School★★★★
MiddleOak Park Middle School★★★★

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

The numbers that matter

The Leesburg market

Seller’s marketBalanced6.8 months of inventoryBuyer’s market

$281K$261K

Leesburg median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

0 of 6

OAKSTONE FARMS have cut their price

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

This home is listed 45% above the LEESBURG 34788 median. See the full Leesburg market guide →

Paper trail

This home's history

Jul 30, 2026Listed at $418,990 · 2 days on market since
2026Built · OAKSTONE FARMS

Reality check

What actually sold near 8646 OAKSTONE CIRCLE

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

8634 OAKSTONE CIRCLESold · Jul ’26

$371,100

8634 OAKSTONE CIRCLE · same community

4 bd · 3 ba · 2,151 sqft · $173/sqft · 104 DOM

8662 OAKSTONE CIRCLESold · May ’26

$384,090

8662 OAKSTONE CIRCLE · same community

3 bd · 3 ba · 2,198 sqft · $175/sqft · 32 DOM

9161 HARRIS HAWK DRIVESold · Dec ’25

$335,221

9161 HARRIS HAWK DRIVE

4 bd · 3 ba · 2,210 sqft · $152/sqft · 239 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.

Dan Schriver

Your agent

Dan Schriver

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 8646 OAKSTONE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8646 OAKSTONE CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Dan's phone and CRM.

Goes straight to Dan’s phone and CRM.

Straight answers

8646 OAKSTONE CIRCLE FAQs

What would the monthly payment be for 8646 OAKSTONE CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,932/mo — principal and interest, the actual property-tax bill, the $100/mo association fee 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.

How much are the HOA fees at 8646 OAKSTONE CIRCLE?+

The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8646 OAKSTONE CIRCLE?+

The most recent tax bill on record (2025) was $239. 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 8646 OAKSTONE CIRCLE?+

The listing reports pets: 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 Leesburg?+

At $418,990, this home is listed about 42% above the Leesburg median of $294,900. The market section on this page shows how the area is trending.

Which schools are assigned to 8646 OAKSTONE CIRCLE?+

Treadway Elementary School (elementary), Leesburg High School (high), Oak Park Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$418,990 runs 45% above the LEESBURG 34788 median — but at 2,154 sqft it's also 31% larger than the typical Leesburg listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 2 days on market in a Leesburg market that averages 50 — if it fits, move quickly.

Listing courtesy of NEW HOME STAR FLORIDA LLC · Charles Pennant. MLS #O6429569.

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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