The “from the $200s” pricing tells you about a third of the story. Here are all the layers — home, village HOA, and the optional membership that actually runs the lifestyle.
Example: a $420,000 home, 20% down on a 30-year fixed at 7.25%. Taxes use Citrus County’s effective rate with homestead. Insurance reflects the big ridge advantage — at 200+ feet, no flood insurance is required.
| Line item | Monthly | Note |
|---|---|---|
| Principal & interest | ~$2,293 | $336,000 loan at 7.25% |
| Property tax | ~$315 | Citrus effective rate, homestead applied |
| Insurance | ~$150 | No flood insurance — ridge sits outside the flood zone |
| Village HOA | Varies by village — confirm | Differs across Terra Vista, Brentwood, etc. |
| Optional social/golf membership | Separate layer — confirm tiers | The line the brochure pricing omits |
| Home cost before HOA + membership | ~$2,758 | Add the two layers above for your true monthly |
Citrus Hills’ golf courses, the BellaVita spa, and the clubs are accessed through an optional social or golf membership that sits on top of your home price and village HOA. Most buyers who move here for the lifestyle take it — which means for them it’s not really optional, it’s a recurring monthly cost the “from the $200s” marketing never mentions. We won’t print a dues figure we haven’t confirmed is current, but we will tell you plainly: get the membership tiers and monthly dues in writing and add them as their own line before you decide this fits your budget. A home you can afford with a membership you can’t isn’t affordable.
While coastal Florida buyers are absorbing flood premiums that can run thousands a year — and watching record surges like Helene’s 7.7 feet at Crystal River — the Citrus Hills ridge simply doesn’t carry that line. At 200+ feet and outside the flood zone, your insurance is wind/hazard only, inland of the open Gulf. Over a decade, that’s a structural saving that can offset a meaningful chunk of the membership cost. It’s the single most underrated number in the whole purchase.
Citrus Hills carries higher than the manufactured-home communities and higher than Wellington, and the membership can push it higher still. What you get for it is genuine: resort-grade golf and wellness on flood-free high ground, in a community that — honestly — is age-targeted, not strictly 55+. If the amenities and the elevation are what you want, the value is real once you’ve priced the membership in. If you want the lowest carry, this isn’t it — Brookridge or High Point are. Price all the layers, then decide.
A local specialist can pull the village HOA, the current membership tiers and dues, and the no-flood insurance quote — so you see the true all-in before a sales center frames the “from the $200s.”
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