An established gated 55+ community on the rolling hills of Clermont — quiet, resale-only, and sharing Lake County's 0.85% property tax rate with all of Clermont's communities. For buyers who want an established neighborhood feel at Clermont's lowest price points, Regency Hills fills a specific niche the newer communities can't match.
Regency Hills is an established gated 55+ community in Clermont, Florida, built on Lake County's rolling hills. Like Kings Ridge and Summit Greens, Regency Hills is fully built out — all homes are resale, the landscaping is mature, and the community culture has been set for years. This stands in contrast to active-construction communities like Vitalia at Astonia and Del Webb Minneola where buyers are entering a community still forming its identity.
The community offers the standard active adult infrastructure: clubhouse, pool, fitness facilities, and organized activities. Its scale is more intimate than Kings Ridge's 2,088 homes — a characteristic that many buyers actively prefer after touring mega-communities and finding the scale impersonal.
Regency Hills sits in Lake County, sharing the 0.85% effective property tax rate that is the lowest in the Orlando metro. On a $330K home, that saves approximately $264/year compared to Orange County and $528/year compared to Polk County before homestead exemptions. Over a 20-year retirement, the Lake County tax advantage compounds significantly regardless of which community you choose within the county.
| HOA Fee | ~$220–$260/month — covers clubhouse, pool, fitness center, common area maintenance, and community management. Verify current fee amount directly with the HOA management company before making any offer. |
| CDD Assessment | Regency Hills phases vary — verify per parcel by requesting the seller's prior-year tax bill. Do not rely on estimates or listing sheet language. |
| Property Tax | Lake County ~0.85% effective rate. On a $330K home: ~$2,805/year before homestead (~$2,380/year after, ~$198/month). |
| Home Insurance | $1,900–$3,400/year — older homes require roof age verification. Get a bindability quote from a Florida-licensed carrier on the specific address before making any offer. This step is not optional on homes built before 2010. |
| Cost Item | Monthly |
|---|---|
| HOA Fee | ~$240 |
| Property Tax (after homestead) | ~$198 |
| Homeowner's Insurance | ~$217 |
| Total Non-Mortgage Monthly | ~$655/month |
CDD varies by parcel — verify before closing. Does not include mortgage.
Older homes require insurance due diligence. Regency Hills' established construction means some homes carry roofs that are 15+ years old. Florida carriers increasingly decline to bind policies on aging shingle roofs. Before finalizing any offer on a Regency Hills home: request a bindability quote on the specific address, determine roof age and material from seller, and include a wind mitigation inspection in your offer. A roof needing replacement in the next 2–3 years is a $15,000–$22,000 capital cost that should be priced into your offer or negotiated as a seller credit.
The established-community buyer. Mature trees, known neighbors, a community that isn't still figuring out what its culture is — these are genuine advantages for buyers who have toured active-construction communities and found the unfinished quality unappealing. Regency Hills delivers a finished neighborhood that Kings Ridge-priced buyers can access at a lower entry point.
The under-$350K Lake County buyer. Lake County's tax advantage is available to every Clermont community, but the price point to enter varies significantly. Regency Hills reaches buyers who cannot access Kings Ridge or Heritage Hills pricing but want Lake County's 0.85% rate rather than Osceola's 0.93% or Polk's 0.95%. At $260K–$360K, it covers a segment of the Clermont market that most competitors leave unaddressed.
The comparison that clarifies the decision. At comparable prices, Regency Hills (Lake County, 0.85%, established) competes most directly with Palms at Serenoa (Lake County, 0.85%, newer construction available). The choice between them comes down to whether you want a finished established community or new construction flexibility. Neither is wrong — they serve genuinely different buyer preferences that should be evaluated honestly against your priorities.
| Orlando Health South Lake Hospital | ~10–15 minutes — Clermont's primary hospital |
| Florida Turnpike (Clermont exit) | ~10 minutes — I-4 and MCO access |
| Walt Disney World | ~25–30 minutes via Florida Turnpike |
| Kings Ridge commercial corridor | ~5 minutes — Publix, pharmacy, retail |
| Orlando International Airport | ~45 minutes via Florida Turnpike |
We'll verify the current HOA, run the Lake County tax math, and help you build an insurance due diligence checklist for any specific home.