The short version: Spruce Creek Golf & Country Club is a Summerfield golf community north of most of The Villages. It is not Spruce Creek South. Mo will not blend the two on a CMA. Start with the community name on the deed restrictions, then the fee stack for that association, then whether you actually want golf-community living versus Stonecrest, Oxford, or The Villages proper.
Golf & Country Club vs Spruce Creek South
| Golf & Country Club | Spruce Creek South | |
|---|---|---|
| This site | This page | Spruce Creek South guide |
| Character | Golf / country club oriented | Distinct Summerfield community |
| Comps | Do not blend blindly | Do not blend blindly |
| Villages bond | Usually outside; confirm parcel | Usually outside; confirm parcel |
Where it sits
Summerfield, Marion County, north of most of The Villages toward Ocala. Buyers comparing Spruce Creek often also open Stonecrest, Oxford, Lady Lake, and Ocala 55+ in the same week. The city label does not tell you the fee stack.
Who Spruce Creek Golf & Country Club fits
- Buyers who want golf-community living in Summerfield without assuming Villages fees
- Sellers who need comps from the right Spruce Creek, not the other one
- Relocators comparing Marion County lifestyle communities to The Villages squares
- Anyone told “it’s all Spruce Creek” and wants the map corrected
Book a 15-min call Summerfield hub
Fees (high level)
This page does not publish HOA or golf-dues dollar amounts. Villages amenity fee (set by that home’s deed covenant and CPI-adjusted, so verify the amount with District Utilities) applies inside Villages districts, not as a default for Summerfield golf communities. Pull association docs and the tax bill for the address. Bond primer: The Villages bond, explained.
How Mo works a Spruce Creek Golf & CC file
- Name the community correctly.
Settle Golf & Country Club versus South first. The wrong label leads to the wrong comps.
- Pull association + tax documents before romance.
Golf lifestyle sells itself. The monthly obligation should be in writing on call one.
- Compare honestly to Stonecrest, Oxford, and The Villages.
Different products. Mo has no incentive to push the wrong one.
- Replies within one business day for remote clients.
Out-of-state buyers shopping Summerfield need the same speed Mo used on the Rockville Pl and Palm St sales.
1007 Rockville Pl sold for $315,000, 40140 Palm St sold for $307,000, and 10369 Silver Maple Ave in Oxford sold with Mo representing both the buyer and the seller.
Mistakes that cost Spruce Creek buyers and sellers money
- Blending Golf & Country Club with Spruce Creek South.
They are separate communities, and buyers expect different things from each.
- Assuming Villages bond rules apply (or do not) without the parcel.
Summerfield is not a synonym for “no fees.”
- Pricing against Villages square averages.
Wrong county story, wrong product, wrong pool.
- Hiding association obligations until contract.
Share them up front, especially for remote clients.
Recent sales Mo handled
Closed at $315,000 on April 30, 2026 for out-of-state buyers.
Listed $299,999. Sold over asking at $307,000 on July 22, 2026. Out-of-state seller reached Mo on Facebook.
Sold for $310,000 in October 2026 in Lakeside Landings. Mo represented both buyer and seller. No Villages bond, no amenity fee.
Sold for $449,000 in October 2026. Mo represented the buyer; David Monty of LPT Realty, LLC was the listing agent. Listing photo: David Monty / LPT Realty, LLC, used with permission.
Questions people ask
Is Spruce Creek Golf & Country Club the same as Spruce Creek South?
No. They are distinct Summerfield-area communities. Golf & Country Club is the golf-oriented community this page covers. Spruce Creek South has its own page. Confirm the community name on the listing and the association docs.
Is Spruce Creek part of The Villages?
No. Spruce Creek Golf & Country Club is in Summerfield (Marion County), north of most of The Villages toward Ocala. Some nearby parcels can sit in Villages districts. Most Spruce Creek addresses do not. Confirm the parcel.
Do Spruce Creek homes carry The Villages bond?
Typically no if the address is outside Villages districts, but “typically” is not a quote. Community HOA / golf dues are separate from the Villages bond and amenity fee. Mo will not invent HOA dollar amounts on this page; he will pull the parcel docs.
Who should compare Spruce Creek to Stonecrest or The Villages?
Buyers who want Summerfield golf-community living versus other 55+ / lifestyle communities, and anyone weighing Marion County monthly math against the Villages fee stack.