What it really costs to own in Florida.
Spruce Creek Preserve HOA fees
Dunnellon, Marion County · 34432
Homes in Spruce Creek Preserve (Dunnellon) pay a median $2,508 a year in HOA dues, about $209 a month, based on 31 listings. Half fall between $2,508 and $2,508. None of the listings we reviewed report a CDD.
HOA by home type
| Single-family homes | $2,508/yr | 27 listings |
| Townhomes and villas | $4,968/yr | 4 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
- Pool94% of listings
- Guard - 24 Hour90% of listings
- Recreational Facilities84% of listings
- Common Area Taxes84% of listings
- Escrow Reserves Fund81% of listings
- Private Road77% of listings
Amenities listed: Fitness Center, Clubhouse, Gated, Recreation Facilities, Pool, Shuffleboard Court.
Live inventory
For sale in Spruce Creek Preserve right now
19 active listings
Spruce Creek Preserve cost questions
How much are HOA fees in Spruce Creek Preserve?
Homes in Spruce Creek Preserve (Dunnellon) pay a median $2,508 a year in HOA dues, about $209 a month, based on 31 listings. Half fall between $2,508 and $2,508.
Does Spruce Creek Preserve 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 Preserve, before the mortgage?
HOA and property tax come to about $393 a month at the medians (property tax median $2,205 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 Preserve 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 32 addressesin subdivisions matching “SPRUCE CREEK PRESERVE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Oak RunOcala · HOA $1,810/yr
- Pine Run EstateOcala · HOA $1,800/yr
- Palm CayOcala · HOA $1,485/yr
- On Top of the WorldOcala · HOA $5,924/yr
- Oak Run HillsideOcala · HOA $3,900/yr
- On Top / WorldOcala · HOA $5,924/yr
- CopperleafOcala · HOA $750/yr
- Circle Square WoodsOcala · HOA $5,928/yr
- Oak Run LinksideOcala · HOA $3,900/yr
- Oak Run Baytree GreensOcala · HOA $3,900/yr
- Hidden LakeOcala · HOA $190/yr
- Oak Run Eagles PointOcala · HOA $2,448/yr
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