Citrus Hills shoppers almost always cross-shop Ocala’s 55+ heavyweights — Del Webb Stone Creek and On Top of the World. Here’s the honest head-to-head, ~40 minutes apart.
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Talk to a Specialist →Citrus Hills and the Ocala communities sit about 40 minutes apart, so many buyers genuinely choose between them. The biggest split: the Ocala options are genuinely 55+, while Citrus Hills is all-ages.
| Feature | Citrus Hills | Ocala (Stone Creek / OTOW) |
|---|---|---|
| Location | Citrus County, Nature Coast ridge | Marion County, Ocala horse country (~40 min east) |
| Age rule | All-ages / age-targeted | Stone Creek & OTOW: genuinely 55+ |
| Scale | ~10,000 homes at buildout | Stone Creek ~3,800 planned; OTOW is very large |
| Land | You own your lot | OTOW has a land-lease element; Stone Creek is fee-simple |
| Golf / amenities | Four courses, BellaVita spa | Stone Creek: 18-hole + 60,000 sq ft Reflection Bay; OTOW: multiple courses |
| HOA model | Village HOA + optional membership | Stone Creek ~$216–$260/mo, pay-per-use amenities |
| Elevation / flood | 200+ ft, flood-free ridge | Inland Marion County; generally low flood risk |
| Price range | ~$200Ks to $1M+ | Stone Creek high-$200s–$600s; OTOW ~$250K–$450K |
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On Top of the World is a major, well-regarded Ocala community — but it carries a land-lease element that buyers need to understand: you don\u2019t own the land the way you would at Stone Creek, Citrus Hills, or the Hernando communities. That changes the long-run cost and resale math in ways the monthly figure alone won\u2019t show. If owning your land matters to you, Del Webb Stone Creek (fee-simple) or the Nature Coast communities are the cleaner comparison. Always confirm the current land arrangement before you fall for the value.
The strongest reason to choose Ocala over Citrus Hills is the genuine, enforced 55+ environment at Stone Creek and OTOW — if that community feel is the point, Citrus Hills\u2019 all-ages status is a real drawback. The strongest reason to choose Citrus Hills is the flood-free 200-foot ridge and the Nature Coast setting. Ocala also offers deeper retail and a broader hospital base in town; Citrus Hills counters with a freestanding ER essentially at its gate.
Del Webb Stone Creek\u2019s HOA (~$216–$260/month) follows a pay-for-what-you-use model with newer, energy-efficient homes — often a lower and more predictable base than Citrus Hills once you add the Citrus Hills membership. If the lowest predictable carry in a genuinely 55+ golf community is the goal, Stone Creek is very competitive. If amenities-on-a-ridge with no flood insurance wins, Citrus Hills earns its premium. Price both fully — including the Citrus Hills membership and any OTOW land-lease cost — before deciding.
A local specialist can run Citrus Hills, Stone Creek, and On Top of the World side by side — including the OTOW land arrangement and the Citrus Hills membership — so the true cost and the right fit are clear.
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