Spruce Creek North

Independent Assessment

Spruce Creek North's Del Webb development history, its 1987-1998 construction window, and its designation as a deed-restricted senior community were independently confirmed. Sources differ modestly on exact home count (400 versus 408) and on the current HOA fee ($111/month cited in one place; an independent aggregator cites a $114-$140/month range) — both are presented as approximate figures rather than resolved. Whether the community carries a gated entry could not be independently confirmed; available sources describe it as an open (non-gated) subdivision, which would make it distinct from the larger gated/guarded Spruce Creek communities in Summerfield despite the shared name and Del Webb heritage. CDD status was not independently confirmed either way for this fully built-out, pre-2000 community — buyers should verify directly with the Marion County Property Appraiser.

Who May Find This Community Appealing

Buyers looking for the lowest entry price and lowest HOA fee among Marion County's Del Webb-branded 55+ communities, who do not want to pay for an on-site golf course they may not use, and who are comfortable with a smaller, quieter, non-gated community fit this profile well.

Homes, Builders & Development History

Del Webb developed Spruce Creek North between 1987 and 1998, one of the company's earliest active-adult projects in the Ocala area, predating the larger Spruce Creek Country Club and Spruce Creek South communities it later built in nearby Summerfield. The community comprises approximately 400-408 detached single-family homes ranging from roughly 1,000 to just under 3,000 square feet. Construction has been complete for more than two decades; all sales are resale.

Current Pricing & Market Positioning

Reported pricing runs roughly $100,000-$300,000 depending on home size, lot, and updates, positioning Spruce Creek North as one of the more affordable Del Webb-branded communities in the Ocala market. Buyers should request current comparable sales from a local agent, since live MLS data is not included.

New Construction vs. Resale Considerations

Spruce Creek North is fully built out and resale-only. Given the 1987-1998 construction window, buyers should expect no builder warranty and should budget for a standard inspection covering roof age, HVAC condition, and plumbing materials 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 (county, school, and applicable special districts combined) 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 assessment increases at 3% for homesteaded owners. Buyers should verify directly with the Marion County Property Appraiser and request the seller's actual prior-year tax bill, since whether any CDD or special assessment applies to this specific, fully built-out 1987-1998 community was not independently confirmed.

Community Layout & Lifestyle

Spruce Creek North's social life centers on a single clubhouse rather than a resort-scale amenity center, with resident-run clubs covering cards, crafts, fitness-adjacent activities, and social mixers. Its smaller scale (roughly 400 homes) makes it a tighter-knit community than the 1,600-3,250-home Spruce Creek communities in Summerfield, appealing to buyers who prefer a quieter, more intimate 55+ neighborhood over a larger resort-style development.

Shopping, Healthcare & Airport Access

Spruce Creek North sits in southwest Ocala (zip 34476) near the SR-200/US-441 corridor, giving residents convenient access to the area's main retail and grocery corridor. Downtown Ocala, AdventHealth Ocala, and HCA Florida Ocala Hospital are all within the broader Ocala metro; buyers should confirm current travel times directly, as exact drive times were not independently measured.

Age Qualification & Material Ownership Restrictions

Spruce Creek North is a deed-restricted senior community; recorded restrictions describe the subdivision as intended for residents 55 years of age or older, consistent with the federal Housing for Older Persons Act (HOPA) framework Del Webb applies across its active-adult communities. Buyers should confirm the full recorded deed language and the current age-verification procedure directly with the HOA before purchasing; neither was independently obtained.

Tradeoffs & Limitations

Spruce Creek North's amenity package is modest relative to newer or larger Ocala-area 55+ communities — a single clubhouse with a pool, fitness room, and card/game space, rather than a resort-scale amenity center. Homes are now 27-38 years old, so buyers should budget for age-related roof, HVAC, and plumbing updates. The community is not gated, which is a meaningful difference from the larger, guarded Spruce Creek communities in Summerfield that share the Del Webb/Spruce Creek name. Some sections may carry sub-association fees layered on top of the master HOA fee — confirm for the specific parcel.

Comparison With Nearby Communities

Within the broader Ocala-area Del Webb/Spruce Creek family, Spruce Creek North is the smallest, oldest, and least amenity-heavy option — it has no golf course, unlike Del Webb's larger Spruce Creek Country Club and Stonecrest communities in nearby Summerfield, both of which bundle golf into a comparable or only modestly higher HOA fee. Buyers who want more amenities and don't mind a larger community should also compare against SummerGlen and Ocala Preserve (formerly Trilogy at Ocala Preserve), both newer Ocala-area 55+ communities with resort-style amenity centers.

Current Listings

A connected local agent can provide current available homes, recent comparable sales, and the current HOA fee and any sub-association charges for a specific address.

Is Spruce Creek North age-restricted to 55 and older?

Yes — it is a deed-restricted senior community consistent with the federal Housing for Older Persons Act (HOPA) framework. Confirm the current age-verification procedure directly with the HOA.

Does Spruce Creek North have a golf course?

No. Unlike Del Webb's larger Spruce Creek Country Club and Stonecrest communities in nearby Summerfield, Spruce Creek North has no on-site golf course, which helps keep its HOA fee comparatively low.

Is Spruce Creek North gated?

Available sources describe it as an open (non-gated) subdivision, unlike the larger guarded Spruce Creek communities in Summerfield. Confirm current entry/security arrangements directly with the HOA.