Costs of owning

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Spruce Creek HOA fees

Ocala, Marion County · 34476, 34491

Homes in Spruce Creek (Ocala) pay a median $1,452 a year in HOA dues, about $121 a month, based on 20 listings. Half fall between $1,444 and $1,458. None of the listings we reviewed report a CDD.

HOA, median
$1,452/yr
About $121 a month
CDD, median
None reported
Property tax, median
$2,264/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$310
HOA + tax at the medians

What the dues cover

  • Pool70% of listings
  • Trash40% of listings
  • Common Area Taxes30% of listings
  • Recreational Facilities30% of listings

Amenities listed: Pool, Fitness Center, Clubhouse, Shuffleboard Court.

Live inventory

For sale in Spruce Creek right now

5 active listings

10720 SW 62nd Ter
Active
House for sale
$225,000
3 bed2 bath1,526 sqft0.39 acre lot
10720 SW 62nd Ter
Ocala, FL, 34476
Brokered by BUSCH REALTY
6362 SW 106th Pl
Active
House for sale
$175,000
2 bed2 bath1,040 sqft0.26 acre lot
6362 SW 106th Pl
Ocala, FL, 34476
Brokered by ALL FLORIDA HOMES REALTY LLC
10765 SW 62nd Ter
Active
House for sale
$175,000
2 bed2 bath1,312 sqft0.25 acre lot
10765 SW 62nd Ter
Ocala, FL, 34476
Brokered by RE/MAX FOXFIRE - HWY200/103 S
6446 SW 106th Pl
ActivePrice reduced
House for sale
$155,000
$30k
2 bed2 bath1,144 sqft0.27 acre lot
6446 SW 106th Pl
Ocala, FL, 34476
Brokered by EXP REALTY LLC
6274 SW 106th Pl
ActivePrice reduced
House for sale
$210,000
$15k
2 bed2 bath1,008 sqft0.26 acre lot
6274 SW 106th Pl
Ocala, FL, 34476
Brokered by RE/MAX PREMIER REALTY HWY 200
See all 5 Spruce Creek homes

Spruce Creek cost questions

How much are HOA fees in Spruce Creek?

Homes in Spruce Creek (Ocala) pay a median $1,452 a year in HOA dues, about $121 a month, based on 20 listings. Half fall between $1,444 and $1,458.

Does Spruce Creek 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, before the mortgage?

HOA and property tax come to about $310 a month at the medians (property tax median $2,264 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 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 20 addressesin subdivisions matching “SPRUCE CREEK”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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