A Fred Funk-designed 18-hole championship golf course at the center of a master-planned community in Davenport — with a dedicated 55+ active adult section for buyers who want resort golf-community living at Polk County prices. One of the few places in Central Florida where buyers under $400K can own in a community built around a legitimate championship course. Here is what it costs and what the golf math actually looks like.
Providence is a master-planned community in Davenport, Polk County, built around a Fred Funk-designed 18-hole championship golf course. The community includes multiple residential sections including a dedicated 55+ active adult section — giving age-restricted buyers access to the full Providence amenity infrastructure, which goes well beyond what most communities at this price point offer.
The centerpiece is the golf course, designed by PGA Tour professional Fred Funk. This is not a par-3 executive course or a resort track — it is a genuine championship layout with full amenities including a clubhouse, pro shop, restaurant, and practice facilities. Buyers who want to live walking distance from a serious golf course at Davenport pricing will find Providence one of the strongest value propositions in the metro.
Beyond golf, Providence includes resort pools, fitness facilities, and tennis courts within the master association. The 55+ section has its own dedicated amenity center on top of the master amenities — giving active adult residents both age-peer community programming and access to the full master plan infrastructure.
What "55+ section within a master-planned community" means practically. The 55+ section at Providence is age-restricted — buyers must qualify under HOPA rules. But residents are embedded within a larger mixed-age master plan. Daily life involves coexisting with families and younger buyers in shared amenities like the golf course and resort pools. This is different from a community like Kings Ridge or Solivita where every resident is 55+. Buyers who want pure age-peer immersion should understand the distinction. Buyers who want age-restricted ownership with access to a championship golf course at Davenport prices will find it compelling.
| HOA Fee | ~$180–$240/month — two-tier structure: 55+ section HOA plus master association dues. The combined amount covers both age-restricted amenities and master plan access including golf facility. Verify both components before closing. |
| Golf Membership | Golf at Providence is not included in HOA dues. Club membership or daily fees are required to play. Membership structures vary — ask the pro shop for current membership pricing options. Factor this into your all-in monthly cost if you play regularly. |
| CDD Assessment | Many Providence parcels carry CDD assessments. This is Polk County; CDDs are common. Request the actual prior-year tax bill from the seller — the line item will appear there. Do not rely on estimates. |
| Property Tax | Polk County ~0.95% effective rate — highest in the metro. On a $360K home: ~$3,420/year before homestead (~$2,995/year after). Higher than Osceola County (0.93%) and significantly higher than Lake County (0.85%). |
| Home Insurance | $1,800–$3,100/year estimated. Davenport inland location is favorable vs coastal markets but older inventory requires roof age verification for bindability. |
| Cost Item | Monthly Estimate |
|---|---|
| HOA (both tiers) | ~$210 |
| Golf membership | ~$150–$250 |
| Property Tax (after homestead) | ~$250 |
| Homeowner’s Insurance | ~$200 |
| Total Non-Mortgage Monthly | ~$810–$910/month |
CDD not included — often $80–$150/month in this corridor. Non-golfer total is ~$660/month without membership cost. Verify all figures before closing.
Polk County at 0.95% is the highest tax rate in the Orlando metro. On a $360K home, Polk County costs ~$360/year more than Osceola and ~$360/year more than Orange County. Compared to Lake County, the gap is $432/year. Over 20 years, buyers in Polk County pay $7,200–$8,640 more in property taxes than equivalent buyers in Lake County. This is not a reason to avoid Providence — the golf course access and lower home prices can absolutely justify the location — but it is a number that belongs in every honest comparison.
The Fred Funk design at Providence is the most credentialed golf course attached to any 55+ community in the Davenport-Kissimmee corridor. Kings Ridge has two golf courses but they are older public-style tracks. Solivita has two courses but they are recreational-quality, not championship design. Four Seasons at Orlando has golf cart access to Mystic Dunes — a mid-tier resort course.
Providence’s course was designed by an active PGA Tour professional with deep Florida golf design experience. For serious golfers who want to own in a 55+ community and play a genuine championship track, Providence represents the strongest combination of course quality and affordable home prices in the Orlando metro.
The value proposition for active golfers: a $360K home in a 55+ section with walking-distance access to a Fred Funk championship course, vs a $450K–$550K home in communities with comparable golf quality. The Polk County tax and inland Davenport location are the price of admission for that access.
| Walt Disney World | ~15–20 minutes north via US-27 |
| AdventHealth Heart of Florida | ~12 minutes — Haines City |
| Florida Turnpike | ~10 minutes — I-4 and MCO access |
| Orlando International Airport | ~40 minutes via Florida Turnpike |
| Solivita (comparison community) | ~15 minutes east in Poinciana |
| Del Webb Orlando (comparison) | ~10 minutes north on US-27 |
We’ll verify both HOA tiers, pull the CDD on specific parcels, and build your complete all-in monthly number including golf membership options.