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Talk to a Specialist →Year-one itemized cost ($620K home)
| Line item | Annual | Monthly |
|---|---|---|
| HOA | $2,580 | $215 |
| Property tax ($620K × 35% × $3.60/$100) | $7,812 | $651 |
| Homeowners insurance (Sparks valley) | ~$1,700 | ~$142 |
| All-in (excl. mortgage/utilities) | ~$12,092 | ~$1,008 |
The lower entry price is the whole point. Stonebrook's ~$620K starting point (lower still for duet homes) pulls the property-tax line down with it — the tax is a percentage of value, so a cheaper new home is cheaper to carry. Among the new Toll communities this is the lowest all-in. If you'll also consider resale, note that Villa Toscana's depreciated taxable value beats even this on the tax line — the new-vs-resale trade-off in one comparison.
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10-year property tax projection (3% cap)
| Year | Property tax | Year | Property tax |
|---|---|---|---|
| 1 | $7,812 | 6 | $9,056 |
| 3 | $8,288 | 8 | $9,608 |
| 5 | $8,791 | 10 | $10,193 |
Duet homes lower every line above proportionally. File the owner-occupancy form for the 3% cap (details).
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Get Free Cost Math →Property tax from NRS 361.4723 formula at ~$3.60/$100 Sparks combined rate; HOA from current Regency dues; insurance estimated. Illustrative, not quotes. Verified 2026.