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Talk to a Specialist →Monthly Costs — $650K Home
| Item | Monthly | Annual |
|---|---|---|
| HOA fee (includes lawn care) | ~$365 | ~$4,380 |
| Property tax (Charleston Co. ~0.50%) | ~$271 | ~$3,250 |
| Homeowners insurance | ~$200 | ~$2,400 |
| Total monthly (pre-mortgage) | ~$836 | ~$10,030 |
HOA includes lawn care: The ~$365/mo HOA at Encore covers individual lot lawn maintenance. When comparing to Del Webb Nexton (~$250/mo + ~$100/mo lawn = ~$350/mo total), the cost gap narrows to approximately $15/month — while Encore delivers a Mount Pleasant address, closer beach access, and a more intimate 112-home community. The true question is whether the purchase price premium ($100K–$250K more than Nexton) is worth the location upgrade to you.
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10-Year Projection — $650K Home (65+)
| Item | 10-Year Total |
|---|---|
| HOA (3% annual increase, lawn included) | ~$50,400 |
| Property tax (65+, homestead, ~$3,000/yr) | ~$30,000 |
| Insurance + maintenance | ~$36,000 |
| Total 10-year non-mortgage | ~$116,400 |
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