Have questions about Del Webb Stone Creek? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →Myth: "Our HOA Is Half of On Top of the World's"
Classic and Estate series homes at Stone Creek carry a $250/month HOA — less than half of On Top of the World's $512–$531/month. On paper, that looks like a dramatically cheaper community.
OTTOW's higher HOA includes lawn care. Stone Creek's Classic and Estate series does not — that's a separate cost, typically $100–$150/month, or roughly $1,200–$1,800 a year. Once you add it back in, the gap narrows to something closer to $375–$400/month effective versus OTTOW's flat rate. The Garden series ($395.50/month) and Villas ($727.79/month) do include lawn care, so compare the specific series you're buying, not the headline number on the community sign.
Myth: "Homes Start in the $200s"
PulteGroup markets Stone Creek homes starting in the $200,000s — an attractive entry point for a gated golf community.
That base price assumes builder-selected finishes and a standard lot. By the time most buyers finish the design studio — flooring, cabinetry, countertops, an extended lanai, garage upgrades — the final contract price typically runs $40,000–$80,000 above the base. A home advertised at $285,000 often closes closer to $340,000–$360,000. Premium lots (golf frontage, conservation views, cul-de-sac) add another $10,000–$40,000-plus, and the model homes you tour are almost always sited on those premium lots.
Myth: "There's No CDD at Stone Creek"
New construction in Marion County is often assumed to be CDD-free, and many Stone Creek buyers never ask.
Stone Creek's CDD picture is parcel-specific. Some sections — particularly earlier phases and areas adjacent to Candler Hills — carry Bay Laurel Center CDD assessments running roughly $800–$1,800 per year; others carry none. This isn't something a sales sheet will volunteer. Pull the actual tax bill for the specific parcel you're considering from the Marion County Property Appraiser (marioncountypa.net) before making an offer — it lists every taxing authority attached to that lot.
Ready to move from research to real conversations about Del Webb Stone Creek?
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Myth: "18 Holes Is Just a Smaller Version of OTTOW's 54"
On Top of the World has 54 holes across three courses; Stone Creek has 18. It's easy to assume less is simply less.
Stone Creek's single course is newer, plays longer, and is generally better conditioned than OTTOW's three shorter layouts — golf included in the HOA for every series. For a golfer who wants one excellent course, that's arguably a better outcome than three average ones. The tradeoff cuts the other way for high-frequency golfers: with only 18 holes and public play allowed on a space-available basis, weekend-morning tee times skew resident-priority, and daily players will feel the difference OTTOW's volume doesn't create.
Myth: "Buying Now Means Getting In Before It's Crowded"
Get in early and enjoy a brand-new golf course and amenity center before the community fills up.
That's true today — Stone Creek is planned for roughly 3,800 homes and is still under active construction, so current residents genuinely get lighter tee-time and pool traffic than buyers will see at buildout. The flip side nobody frames as clearly: buying during active construction also means ongoing construction noise, phase-by-phase road traffic, and resale competing directly against new-construction incentives from PulteGroup for as long as building continues. Ask the sales team exactly which phase is active and how close your lot sits to it.