An established golf community in the hills of Clermont with an 18-hole course included in the HOA, Lake County’s 0.85% tax rate, and a resale-only market that regularly attracts value-conscious buyers. Here is what it costs and the one thing every Summit Greens buyer needs to verify before closing.
Summit Greens is a gated 55+ community in Clermont, Florida, built in the early 2000s on the rolling hills of Lake County. Approximately 1,000 homes surround an 18-hole golf course that is included in the HOA — the same golf-inclusive model that makes Kings Ridge, its neighbor, one of the most financially efficient 55+ communities in Central Florida for active golfers.
The community sits adjacent to Kings Ridge on Highway 27 in north Clermont. The two communities share a geographic positioning but are separate HOAs with separate courses, separate clubhouses, and separate identities. Buyers comparing the two should visit both — Summit Greens tends to attract a slightly older buyer demographic and has a quieter community culture, while Kings Ridge is larger and more activity-programmed.
Lake County’s 0.85% effective property tax rate applies to all Summit Greens homes — the lowest in the Orlando metro. No significant CDD burden from this construction era. For golfers seeking an affordable golf-included lifestyle in the Clermont hills, Summit Greens delivers the same structural cost advantages as Kings Ridge at a slightly lower average price point.
| HOA Fee | ~$290/month — covers 18-hole golf course, clubhouse, pool, common areas. Golf is included. |
| CDD Assessment | Minimal to none — early 2000s construction predates significant CDD era for most phases. Verify with seller. |
| Property Tax County | Lake County — approximately 0.85% effective rate |
| Property Tax on $325K Home | ~$2,763/year (~$230/month) before homestead exemption |
| After Homestead Exemption | ~$2,338/year (~$195/month) |
| Golf | 18-hole course included in HOA — unlimited resident play at no additional cost |
| Home Insurance (est.) | $1,600–$2,700/year — roof age is the critical variable on 20+ year homes |
| Cost Item | Monthly Estimate |
|---|---|
| HOA Fee (includes golf) | ~$290 |
| Property Tax (after homestead) | ~$195 |
| Homeowner’s Insurance | ~$183 |
| Total Non-Mortgage Monthly | ~$668/month |
Verify golf course operating status before closing. Summit Greens’ 18-hole course has experienced renovation closures — an extended period where the course was closed for improvements. Before making any offer, confirm the current operating status of the course and any planned renovation windows. A golf-inclusive HOA at a community with a temporarily or indefinitely closed course is fundamentally different from what the listing describes. This is the single most important due diligence item specific to Summit Greens.
Roof inspection is non-negotiable on 20+ year homes. Summit Greens homes are 20–25 years old. Florida insurance carriers increasingly decline to write new policies on roofs over 15 years. Before making any offer, budget for potential roof replacement and get an insurance bindability quote as part of the offer process.
The Lake County tax advantage is real and significant. On a $325K home, Lake County’s 0.85% rate saves approximately $325/year versus Osceola County and $325/year versus Polk County. Over 20 years that compounds to $6,500+ in after-tax savings. Summit Greens shares this advantage with all five Clermont communities.
Summit Greens vs Kings Ridge — the honest comparison. Both are adjacent golf-included Clermont communities at similar price points. Kings Ridge is larger (2,088 homes vs ~1,000), has two courses vs one, offers cart access to a Publix plaza, and has a more active programming calendar. Summit Greens is smaller and quieter. Neither is objectively better — this is a buyer personality match. Visit both on the same trip and ask current residents at each which community they chose and why.
| Orlando Health South Lake Hospital | ~10 minutes — Clermont |
| Kings Ridge (adjacent) | ~5 minutes on Highway 27 |
| Walt Disney World | ~25 minutes east |
| Florida Turnpike | ~15 minutes north |
| Orlando International Airport | ~45 minutes via Florida Turnpike |
We can verify golf course status, run Lake County tax math, and check roof age impact on insurance before you schedule any tours.