Prescott · AZ · Yavapai County

Gardens at Willow Creek — True Annual Cost

HOA · Yavapai County property tax · All-in monthly estimate

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County Property Tax

Yavapai County effective rate approximately 0.58% of market value. On a $350,000 home that is roughly $2,030/yr. On a $450,000 home roughly $2,610/yr.

Arizona has no tax on Social Security. The senior property valuation protection program (SPP) may limit assessment increases for qualifying owners 65+.

HOA Fee

Gardens at Willow Creek HOA runs ~$165/mo. This covers community amenities.

Always verify before closingHOA fees can change with annual budget approval. Request the current fee schedule, the most recent reserve study, and 12 months of board meeting minutes before you commit.

All-In Annual Cost Estimate

True Cost Model — $400,000 Home

Property Tax (0.58%)~$2,320/yr
HOA Fees~$165/mo × 12
Homeowners Insurance~$1,200–$2,400/yr
Maintenance Reserve~$1,500–$2,500/yr
Total Annual EstimateVerify with current HOA fee

These are planning estimates. Get the current HOA fee in writing, confirm whether a capital contribution or initiation fee applies at purchase, and verify the county tax rate for the specific parcel.

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Key Facts

Yavapai County ~0.58% — very low. Prescott 4-season climate. Altitude ~5,400 ft.

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