HOA, Adams County property tax, insurance, and the 10-year comparison against Heritage Eagle Bend.
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Talk to a Specialist →| HOA Fee | ~$200–$300/month — includes golf membership, cart fees separate |
| Cart Fees | ~$18–$25 per round |
| Property Tax Rate | Adams County — approximately 0.65% effective rate |
| Property Tax on $575K Home | ~$3,738/year (~$312/month) before senior exemption |
| Senior Exemption (65+, 10yr) | Reduces taxable base by $100K — saves ~$650/year after qualifying |
| Home Insurance (est.) | $1,600–$2,400/year |
| Cost Item | Monthly Estimate |
|---|---|
| HOA Fee | ~$250 |
| Property Tax | ~$312 |
| Homeowner’s Insurance | ~$167 |
| Total Non-Mortgage Monthly | ~$729/month |
Does not include mortgage, utilities, or special assessments. Verify the current HOA fee directly with the association before purchase.
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Heritage Todd Creek’s HOA runs roughly $100–$200/month less than Heritage Eagle Bend for comparable golf access. Over a 10-year retirement horizon, that gap compounds to $12,000–$24,000 in HOA savings. The trade-off is Aurora’s stronger medical proximity and Heritage Eagle Bend’s gated entry and closer DIA access.
Adams County property taxes run slightly higher than Arapahoe. The difference is approximately 0.05–0.10% — roughly $300–$600/year more on a $600K home compared to Heritage Eagle Bend. Not decisive on its own, but worth including in a side-by-side cost model.
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