The middle-tier Clermont 55+ community — approximately 1,500 homes with an 18-hole golf course included in HOA, new construction still available in final phases, and Lake County’s 0.85% tax rate. Positioned between Kings Ridge’s established golf culture and Esplanade’s premium Taylor Morrison quality. Here is the honest cost breakdown.
Heritage Hills is a gated 55+ community in Clermont, Florida, with approximately 1,500 homes and an 18-hole golf course included in the HOA. It is one of the few Clermont communities still offering new construction — final phases continue to sell alongside an active resale market. This dual inventory structure gives buyers unusual flexibility: customize a new home or buy an established resale in the same gated address.
The community sits in Lake County, benefiting from the 0.85% effective property tax rate and minimal CDD burden. Heritage Hills’ HOA fee at approximately $275/month is lower than Esplanade ($350) and competitive with Kings Ridge ($310), while including golf — a meaningful distinction when comparing total carrying costs.
The 18-hole golf course is an on-site resident amenity, not a separate membership or fee-for-play arrangement. Like Kings Ridge, the golf-inclusive model provides genuine value for active golfers compared to communities where course access requires a $1,200–$2,400/year separate membership.
| HOA Fee | ~$275/month — covers 18-hole golf course, clubhouse, pool, fitness center, and common area maintenance. Golf included. |
| CDD Assessment | Minimal — verify per phase. Lake County construction at this scale typically carries minimal CDD. Request seller’s prior year tax bill. |
| Property Tax County | Lake County — approximately 0.85% effective rate |
| Property Tax on $375K Home | ~$3,188/year (~$266/month) before homestead exemption |
| After Homestead Exemption | ~$2,763/year (~$230/month) |
| Golf | 18-hole course included in HOA — unlimited resident play |
| Home Insurance (est.) | $1,700–$2,900/year — varies by home age, roof condition, and coverage level |
| Cost Item | Monthly Estimate |
|---|---|
| HOA Fee (includes golf) | ~$275 |
| Property Tax (after homestead) | ~$230 |
| Homeowner’s Insurance | ~$200 |
| Total Non-Mortgage Monthly | ~$705/month |
Heritage Hills is the only Clermont golf community where you can still buy new. Kings Ridge and Summit Greens are resale-only. Esplanade is complete. Palms at Serenoa is newer but has no golf. Heritage Hills’ still-building phases mean buyers who want a golf-included Clermont community and prefer new construction over resale have exactly one option: Heritage Hills. For buyers who want to choose their own floors, cabinets, and finishes, this matters. The window for new construction will close as the final phases complete.
Resale buyers at Heritage Hills benefit from a range of home ages — early phases from the mid-2000s through newer phases from the 2020s. When comparing resale options, specifically note the home’s build year, roof age, and HVAC age. A 2007 Heritage Hills home and a 2019 Heritage Hills home are meaningfully different purchasing situations despite sharing the same community name and HOA.
| Orlando Health South Lake Hospital | ~10 minutes — Clermont |
| Walt Disney World | ~25 minutes east |
| Florida Turnpike | ~15 minutes north |
| Orlando International Airport | ~45 minutes via Florida Turnpike |
| Kings Ridge / Summit Greens | ~5–10 minutes north on Highway 27 |
We can compare new construction vs resale options, run Lake County tax math, and analyze the golf-included HOA value over 10 years before you schedule any tours.