Summerfield · Gated · 55+ · Del Webb
Spruce Creek Golf & Country Club, Ocala, FL: Homes, Living & Real Estate Guide
Del Webb's gated 55+ community in Summerfield, about 15 miles south of Ocala: 3,250 homes, 36 holes of golf and HOA dues of $214 a month.
Location
Where it is, and which Spruce Creek this is
Spruce Creek Golf & Country Club is in Summerfield, in south Marion County between Gainesville and Orlando and about 15 miles south of Ocala. The Villages is just down the road, and the Summerfield ER is right outside the front gate.
There are a few Spruce Creeks nearby, so it's worth being precise. Spruce Creek South and Spruce Creek North are separate communities with their own fees.
This guide covers the Del Webb community on Del Webb Boulevard, the one with the fountain at the entrance.
How it's run
A big community that runs itself
Del Webb and Pulte built Spruce Creek from 1996 to 2007: 3,250 homes on 1,604 acres. Today it's a self-governing nonprofit.
Every owner is a member of the homeowners association, and the members elect a seven-member board that works a lot like a town council. A management company hired by the HOA runs day-to-day operations.
Del Webb deeded the Horizon Club, the fitness center and the common areas to the association, and the community says they're free and clear of liens and mortgages.
Monthly costs
What the HOA dues cover
Published fee figures; confirm the exact fee for the home. Sources are listed at the bottom of the page.
The regular assessment is $214 a month per household. That gets you the Horizon Club and every recreation facility, including the fitness center, plus upkeep of the common areas, private streets and sidewalks, trash pickup and the 24-hour manned gates.
There's no CDD bond or special assessment.
Estate Vida's review of 112 Stellar MLS listings from 2026 matches the official number: a median of $2,568 a year. The few villas and townhomes in that sample carried higher dues, a median of $4,356 a year across 3 listings.
Amenities
Three recreation areas
The Horizon Center is the social hub: a 32,000-square-foot building with a ballroom that seats 340 at tables or 509 auditorium style, plus billiards, a craft room and game rooms. Outside are a heated pool and spa, a covered lanai, 8 shuffleboard courts and 5 bocce courts.
Lake Vista centers on a 14,000-square-foot fitness center with an indoor lap pool, along with a pavilion, horseshoe pits, a softball diamond, the Veterans Memorial and a walking trail through The American Kestrel Preserve. The third area, Peninsula Park, has a second heated outdoor pool and spa, tennis, pickleball and volleyball.
Amenities
Three rec areas and 36 holes
Pools, courts and a fitness center are in the dues; golf is pay-as-you-choose.
Eagle Ridge golf
Four 9-hole courses: the Champions, Masters, Heritage and Memorial.
Horizon Center
32,000 sq ft, with a ballroom that seats 340 at tables.
Lake Vista Fitness Center
14,000 sq ft with an indoor lap pool.
Heated outdoor pools
At the Horizon Center and Peninsula Park, each with a spa.
Bocce & shuffleboard
5 bocce and 8 shuffleboard courts by the Horizon pool.
Nature trail
A walking trail through The American Kestrel Preserve.
Golf isn't part of the HOA dues. Details from the sources listed below.
Golf
Golf at Eagle Ridge
Eagle Ridge has 36 holes designed by Terry Doss, set up as four 9-hole courses: the Champions, the Masters, the Heritage and the Memorial. You can play them in different combinations, warm up on the range and putting green, and finish at the Liberty Grille next to the pro shop.
Eagle Ridge isn't owned by the HOA, so golf isn't in your dues. There's no initiation or membership fee, though.
You pick a rate program at the pro shop that matches how often you play.
Social life
Clubs and everyday life
More than 60 clubs meet here, backed by a full-time activities director. The list runs from square dancing and synchronized swimming to woodcarving, model yachts, a car club and a motorcycle group.
Practical things are close. RV storage for campers and boats is inside the gates, a Marion County Fire Rescue station is within two miles of the front gate, and The Villages Hospital is a few minutes south.
Homes
The homes
Everything here is a resale. You'll find more than 40 floor plans, from about 800 to 2,800 square feet, most with two or three bedrooms and an attached garage.
Since the newest homes date to 2007, ask about the age of the roof, the AC and the water heater on any home you like.
Who it fits
Who Spruce Creek fits
It fits buyers who want a big activity calendar, golf without a club initiation, and HOA dues well under what the newer communities charge. It's a weaker fit if you want new construction (compare Stone Creek) or want to live closer to Ocala and I-75 (compare Ocala Palms).
Is it right for you?
Pros and cons
Pros
- $214 a month in HOA dues and no CDD
- 36 holes of golf with no initiation or membership fee
- Indoor and outdoor pools across three recreation areas
- More than 60 clubs and a full-time activities director
- The HOA owns the clubhouse and fitness center, free and clear of liens
Cons
- Resales only, built 1996 to 2007, so check roofs and AC
- Golf is billed separately through the pro shop
- About 15 miles from Ocala
- It's big: 3,250 homes
- Want newer construction? Compare Stone Creek
Location
Spruce Creek Golf & Country Club on the map
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Selling in Spruce Creek Golf & Country Club
Thinking of selling in Spruce Creek Golf & Country Club? Get your home value
Buyers here usually have The Villages and the SR 200 communities on their list too. Low dues, no CDD and golf with no initiation fee are real advantages, and I put those numbers in front of buyers early, along with the updates your home has had.
I'll pull recent Spruce Creek Golf & Country Club sales and give you a realistic price range for your home, free and with no obligation.
Homes for Sale in Spruce Creek Golf & Country Club
Live listings coming soon
I'm setting up live MLS search for Spruce Creek Golf & Country Club. Until then, tell me what you're looking for and I'll send you every matching home as soon as it hits the market.
FAQ
Spruce Creek Golf & Country Club FAQ
Is Spruce Creek Golf & Country Club gated?
Yes. It's a 24-hour gated community with a 12-hour community patrol. Source
How much are the HOA fees in Spruce Creek Golf & Country Club?
The regular assessment is $214 a month per household. Source
What do the Spruce Creek HOA dues cover?
The Horizon Club and all recreation facilities including the fitness center, common area upkeep, private streets and sidewalks, trash pickup and the 24-hour manned gates. Source
Does Spruce Creek have a CDD?
No. The community has no CDD bond or similar special assessment. Source
Is golf included in the Spruce Creek HOA fee?
No. Eagle Ridge isn't owned by the HOA. There's no initiation or membership fee, and rate programs are available at the pro shop. Source
How many holes of golf are in Spruce Creek?
36 holes designed by Terry Doss, played as four 9-hole courses: Champions, Masters, Heritage and Memorial. Source
How many homes are in Spruce Creek Golf & Country Club?
3,250 homes on 1,604 acres. Source
When was Spruce Creek Golf & Country Club built?
Del Webb and Pulte built it from 1996 to 2007. All homes for sale today are resales. Source
Is Spruce Creek Golf & Country Club in Ocala?
It's in Summerfield, FL 34491, in Marion County, about 15 miles south of Ocala. Source
Is there RV storage in Spruce Creek?
Yes. There's an RV storage facility inside the gates that can also hold boats and campers. Source
Nearby communities
- Homes for sale in On Top of the World
- Homes for sale in Stone Creek
- Homes for sale in Oak Run
- Homes for sale in Marion Oaks
- Homes for sale in Silver Springs Shores
- Homes for sale in Golden Ocala Golf & Equestrian Club
- Homes for sale in Horse Farm Country
- Homes for sale in Ocala Palms
- All Ocala neighborhoods
Sources
- Del Webb Spruce Creek Golf & Country Club (official site)
- Spruce Creek Golf & Country Club FAQ
- Spruce Creek facilities
- Eagle Ridge golf and Liberty Grille
- Spruce Creek Country Club (55places)
- Spruce Creek GC HOA fees (Estate Vida, Stellar MLS data)
- Del Webb Spruce Creek overview (Ocala Realty Experts)
- Ocala 55+ community HOA fee chart (Ocala Realty Experts)
Drew Bedford, REALTOR®, Keller Williams Cornerstone Realty, 1918 SE 17 St, Ocala, FL 34471. Florida license # SL3588936. Each Keller Williams office is independently owned and operated. Information on this page comes from the public sources listed above, was gathered in October 2026, and is believed reliable but not guaranteed. Equal Housing Opportunity.