HOA fees, property taxes, CDD status, insurance, and lawn — every recurring cost item that determines what you actually pay each year to live at Spruce Creek South.
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Talk to a Specialist →$171/mo. No lawn. No golf. Gated entry with community pool and basic clubhouse.
No CDD. Built 1989–1995.
Marion County. Standard Homestead/SOH.
All homes 30–36 years old. Roof age is the primary insurance obstacle. Many pre-1995 homes need roof replacement before standard coverage is obtainable. Get insurance quotes before making an offer.
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.
All estimates. Verify HOA fee, CDD status, tax rate, and insurance for the specific parcel before purchase. Florida homeowners insurance rates vary significantly by roof age, construction type, and proximity to flood zones.
Tell us your target price and which neighborhood within Spruce Creek South. We will run the complete all-in annual cost and compare against two or three alternative communities at your price point.
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