True Cost · Orchards of Stoney Point · 2026

Orchards of Stoney Point — True Annual Cost

HOA covers roof + all exterior · Forsyth County · All-in monthly breakdown

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HOA Coverage: The Most Comprehensive in Cumming

The Orchards of Stoney Point HOA covers more than any other Cumming 55+ community HOA. Verify current monthly fee directly with the HOA — comparable Orchards Group communities with this coverage level run $300–$375/month.

What the HOA covers at Stoney PointExterior building insurance · Termite bond · Roof replacement and repairs · Exterior painting · Landscaping and yard maintenance · Common area lighting · Sprinkler systems · Trash removal · Street and common grounds maintenance · Clubhouse and pool amenities

The termite bond coverage is a notable inclusion — termite treatment and monitoring in Georgia typically costs $500–$1,500/year when managed individually. This alone covers a meaningful portion of any HOA fee premium over communities without it.

Forsyth County Property Tax

Property Tax Estimates — Orchards of Stoney Point

$475K townhome, under 65~$3,230/yr
$475K townhome, age 65+~$2,300–$2,700/yr
$425K townhome, age 65+~$2,000–$2,400/yr
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All-In Monthly Carrying Cost

Monthly Cost Estimate — $450K Townhome at Orchards of Stoney Point

Mortgage (30yr, 6.5%, 20% down)~$2,275/mo
HOA fee (estimate with full coverage)~$340/mo
Property tax (65+, monthly)~$210/mo
Homeowner’s insurance (interior only)~$75/mo
Total all-in monthly~$2,900/mo

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We normalize all Cumming HOAs on a true cost-per-month basis — including what isn’t covered — and compare at your target price.

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