Symphony Series at Redden Farms Real Costs — South DFW New Build, Fully Priced

The published numbers are rare and good: $339,990 entry, $2,800/year HOA confirmed on the builder’s published data. Stack those against an Ellis County tax bill with no hospital district and Midlothian ISD’s rate discipline, and the all-in carry is among the most competitive new-construction numbers in the metro.

Entry
$339,990
New construction
HOA
$2,800/yr
~$233/mo · published by builder
Honest Monthly
~$660–$740
HOA + tax + insurance est.
10-Year Carry
~$80K–$92K
Over-65 base case

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Line by Line

ItemFigureNote
HOA$2,800/yr ($233/mo)Published on Jome builder data — covers yard maintenance, community landscaping, amenity upkeep. Confirm whether a separate Redden Farms master assessment applies above this figure.
Property tax (rep. $360K, over-65 filed)~$2,400–$3,000/yr after exemptions$200K shield covers ~56% of school-taxable value at this price point, then freezes. Ellis County: no hospital district. Midlothian ISD has tracked rate discipline. The floating remainder after 65 is modest.
Insurance~$1,600–$2,200/yrNew construction in a hail corridor: fresh roof pricing initially favorable; read the wind/hail deductible percentage.
Master-plan assessmentConfirm in writingSymphony Series sits inside Redden Farms master plan — confirm whether a second association assessment applies above the $2,800 figure before budgeting.

Assembled monthly: HOA $233, tax ~$225, insurance ~$165 — roughly $660–$740/month, with a decade carry near $80,000–$92,000. That sits between Cove of Hickory Creek’s bare-floor carry and the northern corridor communities at $100,000–$170,000 — which is the point: new construction, full clubhouse amenities, Ellis County’s no-hospital-district stack, for a carry that the Prosper corridor cannot approach. Verify the master-plan assessment question first; if there is a second layer it changes the arithmetic. Community guide: Symphony Series at Redden Farms

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