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Modeled on a representative ~$385,000 home at The Village at Craft Farms, owner-occupied, with a typical over-65 (H-4) property-tax exemption applied:
| Line item | Annual | Notes |
|---|---|---|
| HOA dues | ~$2,400 | Confirm current figure; golf may be separate |
| Property tax | ~$1,100 | Same low Baldwin County rate as inland |
| Homeowners insurance (incl. wind) | ~$4,000–$5,500 | Gulf Shores; AIUA wind policy likely |
| Flood | ~$700–$1,500 | Coastal flood zone more likely than inland |
| Est. annual total | ~$8,200–$10,500 | Excludes mortgage & utilities |
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Get Free Cost Math →Sources: 55places (Craft Farms specs); Baldwin County Revenue Commission (property tax); Alabama Department of Insurance/AIUA & agency data (Gulf Shores insurance ranges). All figures illustrative and rounded; confirm current dues and a specific insurance quote before relying on them. Verified 2026.