Regency Hills and Palms at Serenoa are the two lowest all-in monthly cost communities in Clermont — and in the entire Orlando metro. Both are in Lake County at 0.85% taxes. Both have HOAs under $250. The difference is established character vs newer construction, and the buyer who fits each is genuinely different.
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Talk to a Specialist →| Variable | Regency Hills | Palms at Serenoa |
|---|---|---|
| HOA Fee | ~$240/month | ~$235/month |
| Construction Status | Established — resale only | Newer — some new construction available |
| County Tax Rate | Lake County 0.85% | Lake County 0.85% |
| CDD | Verify per parcel | Verify per parcel |
| Price Range | $260K–$420K | $280K–$450K |
| All-In Monthly ($330K) | ~$655/month | ~$617/month |
| Community Character | Mature landscaping, established culture | Newer infrastructure, still forming culture |
These are the two lowest all-in monthly cost communities in the entire Orlando metro at $330K. Palms at Serenoa at ~$617/month and Regency Hills at ~$655/month beat every other 55+ community in the four-county area at this price point. For buyers on fixed retirement income where monthly cost is the primary decision driver, the conversation starts and often ends here.
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Regency Hills is fully built out. The landscaping is mature — trees that have grown for 15–20 years rather than the freshly planted shrubs of a new development. The community culture is established: neighbor relationships formed, HOA governance patterns known, activity calendar predictable. For buyers who value knowing what they are buying before signing, Regency Hills delivers transparency that active-construction communities cannot match.
Palms at Serenoa offers the opportunity for newer construction in some phases — the ability to choose finishes, floor plan, and lot position that resale communities don’t offer. The community is in a south Clermont location that puts Disney proximity at approximately 25 minutes via SR-429 — the best Disney access of any Lake County community. For buyers who prioritize new construction at Lake County’s tax rate at the lowest possible HOA, Palms at Serenoa is the strongest option in the metro.
Insurance due diligence applies to both. Regency Hills homes are older — run the bindability check before any offer. Palms at Serenoa newer construction typically qualifies for better insurance rates, but verify the specific home’s construction date, roof material, and wind mitigation status regardless. The insurance line is the most variable cost in the entire comparison and neither community is immune to Florida’s carrier market.
We can verify new construction availability at Palms, run insurance due diligence on any Regency Hills address, and build the full cost comparison at your specific budget.
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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