What it really costs to own in Florida.
Spruce Creek South HOA fees
Summerfield, Marion County · 34491
Homes in Spruce Creek South (Summerfield) pay a median $2,160 a year in HOA dues, about $180 a month, based on 63 listings. Half fall between $2,148 and $2,160. None of the listings we reviewed report a CDD.
What the dues cover
- Pool76% of listings
- Trash57% of listings
- Recreational Facilities54% of listings
- Management49% of listings
- Security46% of listings
- Guard - 24 Hour44% of listings
Amenities listed: Gated, Pool, Fitness Center, Clubhouse, Pickleball Court(s), Shuffleboard Court.
Live inventory
For sale in Spruce Creek South right now
26 active listings
Spruce Creek South cost questions
How much are HOA fees in Spruce Creek South?
Homes in Spruce Creek South (Summerfield) pay a median $2,160 a year in HOA dues, about $180 a month, based on 63 listings. Half fall between $2,148 and $2,160.
Does Spruce Creek South 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 South, before the mortgage?
HOA and property tax come to about $415 a month at the medians (property tax median $2,820 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 South 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 64 addressesin subdivisions matching “SPRUCE CREEK SOUTH”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- StonecrestSummerfield · HOA $1,824/yr
- Sunset HillsSummerfield · HOA $528/yr
- The VillagesThe Villages · HOA $2,448/yr · CDD $1,054/yr
- Villages / MarionThe Villages · HOA $2,448/yr · CDD $1,415/yr
- MarionThe Villages · CDD $1,264/yr
- Spruce Creek GcSummerfield · HOA $2,568/yr
- Spruce Creek Country Club SherwoodSummerfield · HOA $2,568/yr
- Bennah OaksBelleview · HOA $550/yr
- Vista TraceBelleview · HOA $700/yr
- Autumn GlenBelleview · HOA $636/yr
- Leeward Air RanchOcala · HOA $965/yr
- CobblestoneBelleview · HOA $1,114/yr
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