Stone Creek has three home series with three very different HOA fee tiers. The builder design center adds $40K–$80K to the base price on most buyers’ final contracts. And CDD bonds on some parcels add $800–$1,800/yr that no listing highlights. Here is the complete math.
Del Webb Stone Creek at Ocala has three distinct product lines, each with its own HOA fee structure. Buyers comparing Stone Creek to other communities often see one HOA number — the reality is that the HOA you pay depends entirely on which series you purchase in.
| Series | HOA/mo | Annual HOA | Lawn | Typical Price Range |
|---|---|---|---|---|
| Classic (single-family, smaller) | $250 | $3,000/yr | Not included | $220K–$320K |
| Garden (single-family, larger) | $395.50 | $4,746/yr | Included | $300K–$420K |
| Villas (attached) | $727.79 | $8,733/yr | Included + exterior | $220K–$300K |
HOA fee data from Ocala Realty Experts HOA chart. Verify current fee with Stone Creek HOA before purchase — new construction HOA fees are subject to change.
Del Webb lists base prices starting in the low $200Ks. After the design center process — where buyers select flooring, countertops, cabinets, appliances, lot premium, and standard upgrades — the realistic final contract price for most buyers is $60K–$100K above the base price shown in advertising.
This is not a bait-and-switch; it is how all production builders operate. But it means buyers should add $60K–$100K to any base-price figure they see in marketing when estimating their actual purchase cost.
Some Stone Creek parcels are in the Bay Laurel Center CDD (BLCCDD). CDD bond assessments are not included in the HOA fee and appear as a separate line item on the property tax bill. They are not covered by the Florida Homestead exemption.
The BLCCDD assessment at Stone Creek runs approximately $800–$1,800/yr depending on parcel and bond series. Before making an offer on any Stone Creek home — resale or new construction — look up the specific parcel on the Marion County Property Appraiser website (marioncountypa.net) and verify whether a CDD line item appears on the tax bill.
At $290K for a Classic Series Stone Creek home with $8,580/yr carrying cost — compare to a $195,000 Oak Run resale with approximately $6,200/yr carrying cost. The Stone Creek premium is approximately $2,380/yr in carrying cost plus $95,000 in purchase price. Over 20 years, that is approximately $47,600 in additional carrying costs plus the purchase price gap — before accounting for investment returns on the difference.
For most buyers, the math only justifies the Stone Creek premium if: (a) they specifically want new construction with a builder warranty, (b) they highly value a modern floor plan, or (c) they will use the golf course frequently enough that the included access matters to them.
Tell us which series, your target price, and whether the parcel is in the CDD. We will run the complete all-in annual cost and compare it to the resale alternatives at your price point.
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