Golf included, no CDD, lowest HOA in market — what it actually costs annually
| Cost Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA (includes golf) | ~$200–$280/mo | ~$2,400–$3,360/yr | 18-hole Bobby Weed golf included — no per-round fees for residents |
| CDD fee | None | None | Stillwater is outside the Nocatee CDD boundary |
| St. Johns County property tax | ~$390–$470/mo | ~$4,700–$5,700/yr | After $50K homestead on $420K home; ~14 mills |
| Homeowners insurance | ~$210–$335/mo | ~$2,500–$4,000/yr | Inland St. Johns County; lower exposure than coastal communities |
| Utilities | ~$200–$300/mo | ~$2,400–$3,600/yr | Standard NE Florida estimate |
| Total Annual Housing Cost (ex-mortgage) | ~$12,000–$16,660/yr · ~$1,000–$1,388/mo | ||
Florida's Save Our Homes amendment caps your assessed value growth at 3%/year after year one of primary residency. In year one you pay tax close to purchase price. By year 10, if your home has appreciated 30–40%, your assessed value is capped 20–30% below market. By year 20, the gap between your taxable assessed value and actual market value can be $150,000–$300,000 on a well-appreciated home — saving $2,000–$4,000+/year vs what a new buyer pays. This is the single most powerful long-term property tax advantage of Florida primary residency, and it applies to every community on this page.
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