Costs of owning

What it really costs to own in Florida.

Spruce Creek Gc HOA fees

Summerfield, Marion County · 34491

Homes in Spruce Creek Gc (Summerfield) pay a median $2,568 a year in HOA dues, about $214 a month, based on 112 listings. Half fall between $2,568 and $2,568. None of the listings we reviewed report a CDD.

HOA, median
$2,568/yr
About $214 a month
CDD, median
None reported
Property tax, median
$3,010/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$465
HOA + tax at the medians

HOA by home type

Single-family homes$2,568/yr109 listings
Townhomes and villas$4,356/yr3 listings

Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.

What the dues cover

  • Pool75% of listings
  • Trash69% of listings
  • Guard - 24 Hour68% of listings
  • Management63% of listings
  • Escrow Reserves Fund63% of listings
  • Private Road58% of listings

Amenities listed: Fitness Center, Pickleball Court(s), Clubhouse, Pool, Gated, Shuffleboard Court.

Live inventory

For sale in Spruce Creek Gc right now

58 active listings

13425 SE 86th Cir
ActiveNew
House for sale
$295,000
3 bed2 bath1,720 sqft0.14 acre lot
13425 SE 86th Cir
Summerfield, FL, 34491
Brokered by SELLSTATE NGR- SUMMERFIELD
13875 SE 94th Ave
Active
House for sale
$295,500
2 bed2 bath1,575 sqft0.14 acre lot
13875 SE 94th Ave
Summerfield, FL, 34491
Brokered by RE/MAX FOXFIRE - SUMMERFIELD
13660 SE 90th Ter
Active
House for sale
$394,300
2 bed2 bath2,109 sqft0.20 acre lot
13660 SE 90th Ter
Summerfield, FL, 34491
Brokered by RE/MAX PREMIER REALTY LADY LK
13158 SE 93rd Terrace Rd
Active
House for sale
$279,450
2 bed2 bath1,678 sqft0.16 acre lot
13158 SE 93rd Terrace Rd
Summerfield, FL, 34491
Brokered by JUDY L. TROUT REALTY
12456 SE 92nd Ter
Active
House for sale
$344,900
2 bed2 bath2,016 sqft0.30 acre lot
12456 SE 92nd Ter
Summerfield, FL, 34491
Brokered by RE/MAX PREMIER REALTY LADY LK
13662 SE 89th CT
ActivePrice reduced
House for sale
$278,900
$11k
2 bed2 bath1,346 sqft0.18 acre lot
13662 SE 89th CT
Summerfield, FL, 34491
Brokered by RE/MAX PREMIER REALTY LADY LK
9120 SE 125th Loop
Active
House for sale
$379,900
2 bed2 bath1,990 sqft0.18 acre lot
9120 SE 125th Loop
Summerfield, FL, 34491
Brokered by JUDY L. TROUT REALTY
8970 SE 118th Ln
Active
House for sale
$344,900
3 bed2 bath1,958 sqft0.17 acre lot
8970 SE 118th Ln
Summerfield, FL, 34491
Brokered by SELLSTATE NGR- SUMMERFIELD
See all 58 Spruce Creek Gc homes

Spruce Creek Gc cost questions

How much are HOA fees in Spruce Creek Gc?

Homes in Spruce Creek Gc (Summerfield) pay a median $2,568 a year in HOA dues, about $214 a month, based on 112 listings. Half fall between $2,568 and $2,568.

Does Spruce Creek Gc have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Spruce Creek Gc, before the mortgage?

HOA and property tax come to about $465 a month at the medians (property tax median $3,010 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Spruce Creek Gc from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 112 addressesin subdivisions matching “SPRUCE CREEK GC”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

Compare nearby communities

Own in Spruce Creek Gc?

Get a real value review from our team.

We'll pull the recent sales in your community and tell you what your home would sell for today. No obligation.

Book a callCall now