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Del Webb Stone Creek

Stone Creek is a large, golf-anchored Del Webb 55-plus community southwest of Ocala, built around the roughly 3,800-home community’s Reflection Bay amenity complex and the Terry Doss-designed Stone Creek Golf Club.

Located in Ocala, part of the The Villages & Lake County region.

  • 55+ Age-Restricted
  • Golf
  • Gated

Stone Creek is an age-restricted, 55-plus, gated community developed by Del Webb, the active-adult brand of national homebuilder PulteGroup, located roughly 12 miles southwest of downtown Ocala in Marion County. Construction began in 2006 and the community’s golf course opened in 2008, making Stone Creek one of the more established large-scale Del Webb communities in the Ocala/Villages corridor of North Central Florida. Sources most consistently cite a total build-out of roughly 3,800 attached villas and single-family homes across the community’s Classic, Estate, Garden, and Scenic series, though at least one source described the community more loosely as being on a "4,000-home scale" — the 3,800 figure appears more reliable and is used here, with the discrepancy noted for transparency. The community’s centerpiece is Reflection Bay, a roughly 29-acre, 60,000-square-foot recreational complex built around two principal wings: the 22,500-square-foot Reunion Center, which hosts social events, meetings, and the community’s many resident clubs, and the 23,500-square-foot Elan Spa and Resort Pool wing, which houses a fitness center, an indoor resistance pool, spa treatment rooms, and a resort-style outdoor pool. Golf is a defining amenity at Stone Creek: the Stone Creek Golf Club is an 18-hole course designed by Terry Doss that opened in 2008, stretching more than 7,200 yards from the back tees across 187 acres, with Champions Bermuda greens and water hazards worked into 11 of its holes. Housing at Stone Creek spans single-family homes and attached villas across four distinct series — Classic, Estate, Garden, and Scenic — with homes built in the 2022-2026 phase ranging from roughly 1,404 to 2,808 square feet. Recent resale pricing has spanned approximately $285,000 to $570,000, with the bulk of active listings clustering between $325,000 and $450,000, while newer-phase construction has started in the low-to-mid $280,000s. HOA fees vary significantly by series: as of January 1, 2025, Classic and Estate series homes carry roughly $250 per month in dues, Garden and Scenic series homes run approximately $395.50 per month, and the resale-only villas carry a notably higher $727.79 per month, with dues generally covering lawn care, basic cable, and trash service. Given this spread, prospective buyers should confirm the exact assessment tied to the specific home and section they’re considering rather than assuming a single flat community-wide rate, and should also verify with Marion County or the HOA whether any additional CDD-style special assessment applies, since none was identified in the sources reviewed for this research. For healthcare access, Stone Creek is reported to sit less than 6 miles from HCA Florida West Marion Hospital, part of the broader HCA Florida Ocala hospital system; this research could not independently confirm the community’s exact distance to AdventHealth Ocala or definitively establish which nearby facility is genuinely closer, so residents should verify current drive times directly rather than relying on a single unconfirmed claim. For travel, Stone Creek’s position roughly equidistant between Tampa, Orlando, and Gainesville gives residents multiple airport options: Gainesville Regional Airport is roughly an hour away and Orlando International Airport roughly 90 minutes, though a specific mileage figure to the smaller Ocala International Airport was absent from the sources reviewed. Stone Creek’s combination of genuine golf infrastructure, a large and well-appointed amenity complex, and a substantial home count gives it a scale and resort-style character comparable to some of Central Florida’s best-known active-adult communities, while its Ocala location offers a quieter, less densely built environment than communities closer to metro Orlando or Tampa. Buyers weighing Stone Creek against other Ocala-area or Villages-adjacent active-adult options should factor in the community’s established, largely built-out character, its genuine golf-course amenity (relatively uncommon among Del Webb’s newer Florida communities), and the meaningful HOA fee variation across its four housing series when comparing total cost of ownership.

Age Restriction

Stone Creek is an age-restricted, 55-plus, gated community developed by Del Webb, the active-adult brand of national homebuilder PulteGroup, roughly 12 miles southwest of downtown Ocala. Construction began in 2006 and the community’s golf course opened in 2008. As with other Del Webb communities, qualification generally follows the standard Florida 80/20 Housing for Older Persons Act allowance (at least one resident 55 or older per home, with limited exceptions), though the exact governing-document language was not independently confirmed in this research and should be verified directly against Stone Creek’s HOA documents before purchasing.

Housing Types

  • Single-family homes
  • Attached villas

Pricing

Sources on Stone Creek’s total build-out consistently cite roughly 3,800 attached villas and single-family homes across the community’s Classic, Estate, Garden, and Scenic series, though one source described the community more loosely as being on a "4,000-home scale" — treat 3,800 as the more reliable figure. Recent-phase homes built between 2022 and 2026 range from about 1,404 to 2,808 square feet. Resale pricing has recently spanned roughly $285,000 to $570,000, with most active listings clustering in the $325,000 to $450,000 range, while new construction in recent phases has started in the low-to-mid $280,000s. As with any actively evolving community, buyers should confirm current available inventory and pricing directly with the community’s sales office or a local agent rather than relying on a single point-in-time figure.

Fees & Assessments

HOA Dues: As of January 1, 2025, HOA fees at Stone Creek vary meaningfully by housing series: roughly $250 per month for the Classic and Estate series, approximately $395.50 per month for the Garden and Scenic series, and about $727.79 per month for the villas, which are resale-only. Dues generally include lawn care, basic cable, and trash service. Given the significant spread across series, buyers should confirm the exact assessment tied to the specific home and section under consideration rather than assuming a single community-wide rate.

CDD Assessment: No Community Development District fee was identified in the sources reviewed for Stone Creek; buyers should confirm directly with Marion County or the HOA whether any CDD or special assessment applies to a specific home or section before purchasing.

Amenities

  • Reflection Bay, a roughly 29-acre, 60,000-square-foot recreational complex anchoring the community
  • The 22,500-square-foot Reunion Center for social events, meetings, and clubs
  • The 23,500-square-foot Elan Spa and Resort Pool wing, with a fitness center, indoor resistance pool, spa treatment rooms, and a resort-style outdoor pool
  • Stone Creek Golf Club, an 18-hole course designed by Terry Doss, opened 2008, playing 7,200-plus yards from the back tees with Champions Bermuda greens and water hazards on 11 holes
  • Extensive clubs and activities coordinated through the community’s clubhouse programming

Getting Around

Healthcare: Stone Creek is reported to be less than 6 miles from HCA Florida West Marion Hospital, part of the HCA Florida Ocala hospital system. This research could not independently confirm the exact distance to AdventHealth Ocala or definitively establish which of the two systems’ nearest facilities is actually closer to the community; residents should verify current drive times directly before relying on a specific mileage claim.

Airport: Stone Creek sits within Florida’s Ocala/Marion County corridor, described in sources as roughly equidistant between Tampa, Orlando, and Gainesville. Gainesville Regional Airport is reported at roughly an hour’s drive and Orlando International Airport at roughly 90 minutes; a specific mileage figure to the smaller Ocala International Airport (OCF) was not found in this research and should be confirmed directly for residents who use it regularly.

Similar Communities to Consider

  • Oak Run

    Oak Run is one of Florida’s largest and most affordable 55-plus communities, with 3,509 homes across 1,400 acres in southwest Ocala, built by Decca from 1985 to 2007 and organized into six villages with five clubhouses, six pools, an 18-hole golf course, and more than 100 resident-run clubs.

  • On Top of the World

    One of Florida’s largest and longest-established 55-plus communities, developed since 1975 by the Colen family on a former cattle ranch southwest of Ocala, with three golf courses, an on-site town square, and a distinctive land-lease ownership structure in its original section.

  • Del Webb Spruce Creek Preserve

    Del Webb Spruce Creek Preserve is a built-out, 810-home, 55-plus gated community south of Ocala in Dunnellon, anchored by the Terry Doss-designed Preserve Golf Club and reporting notably low HOA fees.

  • Spruce Creek South

    Spruce Creek South is a 55-plus gated golf community in Summerfield directly across the street from The Villages, built from 1989 to 1995 with nearly 1,700 single-story homes, an 18-hole course winding through the community, a 25,000-square-foot clubhouse, and more than 30 resident clubs.

  • Esplanade at Highland Ranch

    Esplanade at Highland Ranch is a sold-out, 475-home, 55-plus gated Taylor Morrison community in northern Clermont near Minneola, offering resort-style amenities and current resale pricing averaging around $533,000.

How Ocala Compares

  • The Villages vs Ocala for Retirement: Costs, Housing & Lifestyle Compared

    The Villages and Ocala anchor opposite ends of the same North Central Florida retirement corridor, and residents of each rely on the other in genuine, practical ways: The Villages residents needing trauma-level or higher-acuity healthcare travel to Ocala for it, while Ocala’s On Top of the World offers a large-scale 55-plus alternative to The Villages within a genuinely different kind of city. The Villages is not a conventional town at all but the largest age-restricted master-planned community in the country, a self-contained retirement city of roughly 154,700 residents (metro-wide) with its own golf-cart transportation network, three town squares, and roughly 54 golf courses, where deed restrictions require at least one resident per home to be 55 or older. Ocala, by contrast, is a full, economically diversified regional city of roughly 70,000 with a notably younger median age of 39.2, home to the "Horse Capital of the World" identity, the region’s deepest hospital infrastructure, and its own large 55-plus community (On Top of the World, 10,000-plus homes) embedded within a much bigger, more varied local economy. Choosing between them largely comes down to whether a retiree wants The Villages’ unmatched built-in social and recreational infrastructure and golf-cart lifestyle, or Ocala’s deeper healthcare access and broader, more demographically mixed city environment.

  • Ocala vs Summerfield for Retirement: Independent City vs Villages-Adjacent Community Compared

    Ocala and Summerfield sit roughly 15 miles apart in Marion County, sharing the same favorable countywide property-tax and insurance profile, but represent two fundamentally different kinds of retirement destinations. Ocala is a genuine, independent city with its own diversified economy, deep healthcare infrastructure led by a Level II trauma center, and a distinct identity as the "Horse Capital of the World," anchored by the World Equestrian Center. It has a working-age population alongside its retirees and a full civic and cultural life of its own. Summerfield, by contrast, is an unincorporated community with no historic downtown or independent civic identity of its own — its entire character is built around several large, age-restricted golf communities, most notably Spruce Creek Country Club, positioned as a genuinely lower-cost alternative to buying directly inside neighboring Sumter County’s Villages-proper sections. Summerfield has no hospital of its own, relying on a freestanding emergency department plus a short drive to Ocala or The Villages for full inpatient care, while Ocala’s hospitals serve as one of Summerfield’s own nearest full-service options. The practical choice tends to come down to whether a buyer wants Ocala’s genuine city infrastructure, equestrian culture, and non-age-restricted variety, or Summerfield’s tighter focus on large-scale 55+ golf-community living at a meaningfully lower price than The Villages itself.

Guides Worth Reading Before You Buy

  • Is 55+ Community Living Actually Right for You?

    A lifestyle-fit guide, not a fee guide — this covers whether age-restricted living actually matches how a specific retiree wants to spend their days, how to genuinely test that fit before buying, and the real tradeoffs of choosing age segregation over an age-mixed neighborhood.

  • Golf and Golf Communities in Florida

    Florida has more golf courses than any other U.S. state and a range of golf-oriented retirement community models — from mandatory-membership country clubs to sprawling age-restricted golf cities — each with sharply different cost structures, environmental obligations, and long-term risks.

  • HOA Fees and Governance in Florida

    A statewide explainer on how Florida homeowners associations and condominium associations are legally structured, funded, and regulated, and what buyers are entitled to review before closing.

  • Community Development District (CDD) Fees in Florida

    A Community Development District (CDD) is a Florida unit of local government, created under Chapter 190, financing a development’s roads, utilities, and amenities through bond and O&M assessments billed with property taxes.

Sources

Last reviewed 2026-09-29.

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