Spruce Creek Country Club (Del Webb Spruce Creek)

Independent Assessment

Spruce Creek Country Club's home count (~3,250), its Del Webb development history, its 1996-2007 construction window, and the absence of a CDD were independently confirmed. Some descriptions list the on-site golf as '18 holes,' but that figure is inaccurate. Independent sources consistently describe the on-site Eagle Ridge Golf Club as a 36-hole complex made up of four distinct nine-hole courses (the Champions, Masters, Heritage, and Memorial courses), designed by Terry Doss and opened in 1998, and operated by Brown Golf Management as a semi-private facility open to the public. Reported HOA fee figures also differ modestly between sources (roughly $158-$176/month versus $184/month), so the fee is best treated as an approximate, unreconciled range. Buyers should also confirm the current resident golf-access arrangement directly, since a semi-private course open to the public may price resident access differently than a fully private, HOA-included club.

Who May Find This Community Appealing

Buyers who golf regularly and want significant on-site golf access (36 holes across four courses) at a comparatively low HOA fee, and who are comfortable with an established, 1996-2007-built home stock and a Summerfield location roughly midway between Ocala and The Villages, are a strong fit for Spruce Creek Country Club.

Homes, Builders & Development History

Del Webb developed Spruce Creek Country Club between approximately 1996 and 2007, producing roughly 3,250 detached single-family homes. It is part of the broader Del Webb 'Spruce Creek' portfolio in the Ocala/Summerfield area, alongside the smaller, golf-free Spruce Creek North in Ocala. The community is fully built out; all sales are resale.

Current Pricing & Market Positioning

Reported pricing runs roughly $100,000-$400,000 depending on home age, size, and updates. Buyers should request current comparable sales from a local agent, since live MLS data is not included.

New Construction vs. Resale Considerations

Spruce Creek Country Club is fully built out and resale-only, with homes dating from roughly 1996 to 2007. Buyers should expect no builder warranty and should budget for a standard inspection covering roof age, HVAC condition, and plumbing/electrical systems typical of homes built in this era.

Taxes, Insurance & Special Assessments

Homes here are subject to Marion County property tax; Marion County's 2025-26 total millage runs around 12.08 mills, producing an effective rate commonly cited around 1.08% of assessed value after the standard $50,000 homestead exemption, with Save Our Homes capping annual increases at 3% for homesteaded owners. No CDD is reported for this community; buyers should confirm that directly with the Marion County Property Appraiser and request the seller's actual prior-year tax bill.

Golf

Eagle Ridge Golf Club is a 36-hole complex made up of four nine-hole courses — the Champions, Masters, Heritage, and Memorial courses — designed by Terry Doss and opened in 1998. It is operated by Brown Golf Management as a semi-private facility open to both residents and the general public. Buyers should confirm current resident access terms, tee-time priority, and any membership/round pricing directly with the club, since public-access availability can differ from a fully private, HOA-included arrangement.

Community Layout & Lifestyle

Spruce Creek Country Club's scale (3,250 homes) supports more than 100 resident clubs and a full activities calendar centered on the Horizon Center clubhouse. Peak weekday and weekend morning tee times (7-9 a.m.) can be competitive given the resident base size; afternoon tee times are generally more available.

Shopping, Healthcare & Airport Access

The community sits in Summerfield on the US-441 corridor, roughly 20 miles south of downtown Ocala and about 10 miles north of The Villages. AdventHealth The Villages (Lady Lake) is reported as the nearer hospital, while AdventHealth Ocala and HCA Florida Ocala Hospital are roughly 20-25 minutes north. Buyers should confirm current travel times directly; exact drive times were not independently measured.

Age Qualification & Material Ownership Restrictions

Spruce Creek Country Club is a Del Webb deed-restricted 55+ community, consistent with the federal Housing for Older Persons Act (HOPA) framework Del Webb applies across its active-adult communities. Buyers should confirm the recorded deed language and the current age-verification procedure directly with the HOA before purchasing; neither was independently obtained.

Tradeoffs & Limitations

Homes here are now roughly 20-30 years old, so buyers should budget for age-related roof, HVAC, and plumbing updates alongside the relatively low purchase price. The Summerfield location is roughly 20 minutes from Ocala's larger AdventHealth Ocala hospital, though closer to AdventHealth The Villages in Lady Lake. Some sections may carry sub-association fees on top of the master HOA rate. Buyers should also independently confirm the exact structure of resident golf access, since Eagle Ridge is a semi-private facility open to the public rather than an exclusively resident-only private club.

Comparison With Nearby Communities

Spruce Creek Country Club is most directly comparable to the adjacent Stonecrest community, which is similarly gated, guarded, and golf-included but spans a much wider construction period (1990-2024) and a wider HOA range ($145-$274/month by section). Buyers who want a lower-cost, golf-free alternative in the same Summerfield corridor should compare against Spruce Creek South, which has no on-site golf and a lower entry price.

Current Listings

A connected local agent can provide current available homes, recent comparable sales, current HOA and any sub-association fees for the specific section, and current Eagle Ridge Golf Club access/membership terms.

How many holes of golf does Spruce Creek Country Club have?

36 holes across four nine-hole courses (Champions, Masters, Heritage, and Memorial) at Eagle Ridge Golf Club, designed by Terry Doss and opened in 1998 — not the single 18-hole course some sources describe.

Is there a CDD fee at Spruce Creek Country Club?

No CDD is reported for this community. Confirm directly with the Marion County Property Appraiser using the seller's actual prior-year tax bill for the specific parcel.

Is Spruce Creek Country Club age-restricted?

Yes — it is a Del Webb deed-restricted 55+ community consistent with the federal Housing for Older Persons Act (HOPA) framework.