The Legends Real Costs — The Flower Mound Premium, Justified or Not

At a ~$699K average resale The Legends is roughly $140K above its Flower Mound neighbor Orchard Flower. This page runs that gap through the full cost assembly and prices what the premium actually buys — which turns out to be mostly lot size, the Lennar build standard, and a 4,500 sq ft clubhouse rather than Orchard Flower’s community center. Whether those three things are worth $140K is the honest question.

Average Resale
~$699K
~$140K over Orchard Flower
Tax Zone
~2.1–2.2%
Lewisville ISD · Denton Co.
Honest Monthly
~$1,250–$1,400
HOA + tax + insurance est.
10-Year Carry
~$155K–$170K
Over-65 base case

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The Assembly

ItemFigureThe Note That Matters
HOACovers lawn maintenance — confirm full scopeFee-simple on real lots (0.2–0.3 acres): the HOA mows, but verify exactly what it owns vs. the homeowner — fences, roof, siding. This varies on Lennar 55+ product. Get it in writing.
Property tax (rep. $699K, over-65 filed)~$8,800–$10,000/yr after exemptionsLewisville ISD in Denton County: school line dominates (~55% of bill), $200K shield covers ~29% of value at this price point, then freezes. The floating remainder — Denton county/college — is among the lightest in the metro (no hospital district).
Insurance~$3,200–$4,000/yrFee-simple ownership: full homeowners policy including roof. Higher than condo-format peers at similar prices.
The Orchard Flower comparison$140K less purchase · ~$1,400/yr less carrySame Flower Mound address, same Lewisville ISD, same Denton County, no gate vs gate, smaller clubhouse vs 4,500 sq ft, smaller lots. The gap is real and compounds over a decade.

Stack the representative over-65 couple: HOA (confirm, call it $200–250/mo for planning), tax ~$800/mo, insurance ~$300/mo — roughly $1,300–$1,400 monthly. Across ten years, with the freeze working and the no-hospital-district Denton floating remainder staying modest: $155,000–$170,000 of carry. That is meaningfully above Orchard Flower’s ~$130,000–$145,000 decade carry — the $140K purchase premium plus the heavier carry reflects the bigger lot, the bigger clubhouse, and the Lennar brand. The question is yours to answer: the community guide · Denton County taxes

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HOA scope in writing — then price the $140K honestly

What the fee covers, the entity list, and the side-by-side with Orchard Flower at your specific numbers.

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