True Cost Analysis · Estates at Tremont Club
What the Gate Really Costs Over a Decade
The full carrying cost for a gated Franklin County home — with the gate premium isolated so you can decide if controlled access is worth it.
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →Year-one carrying cost
Modeled on a $510,000 single-family home in the gated Estates at Tremont Club, Franklin County. Planning estimates, not a quote.
| Component | Monthly | Annual |
|---|---|---|
| Property tax (≈1.69% effective) | $718 | $8,620 |
| Gated-community HOA | $350 | $4,200 |
| Homeowners insurance | $145 | $1,740 |
| Total carrying cost | $1,213 | $14,560 |
The gate premium, isolated
A gated community’s HOA typically runs higher than an ungated one because dues fund the gate hardware, its maintenance, and the private roads behind it. Here is a fair estimate of what that controlled access costs versus a comparable ungated Courtyards HOA.
| Scenario | HOA/mo | 10-yr HOA (escalated) |
|---|---|---|
| Gated (Tremont Club) | $350 | ~$48,100 |
| Ungated Courtyards equivalent | $255 | ~$35,100 |
| The gate premium | $95 | ~$13,000 |
The gate costs roughly $13,000 over ten years in extra HOA — about $95 a month. For buyers who genuinely value security and privacy, that is a reasonable price for peace of mind. For buyers who would barely notice the gate after the first month, it is $13,000 better spent elsewhere. There is no wrong answer — only the wrong one made without the number.
Ready to move from research to real conversations about this community?
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.
10-year projection
| Year | Tax | HOA | Insurance | Year total |
|---|---|---|---|---|
| 1 | $8,620 | $4,200 | $1,740 | $14,560 |
| 5 | $9,516 | $4,728 | $2,035 | $16,279 |
| 10 | $10,765 | $5,480 | $2,476 | $18,721 |
| 10-yr cumulative | ~$97,300 | ~$48,100 | ~$21,000 | ~$166,400 |
Gated or not — want the side-by-side?
We will run Tremont Club against an ungated community on the same budget so the gate premium is crystal clear.
Compare my optionsReady to take the next step on
the right 55+ community?
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
Connect with a Specialist →