As you begin your search for a retirement home in a 55+ community in San Diego County, you may be surprised to find that the cost of homeowners association (HOA) fees can vary widely from one community to another. While HOA fees can provide valuable services and amenities, such as landscaping, security, and maintenance, they can also add significantly to your monthly expenses. Fortunately, there are several ways to find a home in a 55+ community with low monthly HOA fees.
- Research different communities: Before you begin your search, it’s important to do your homework and research different 55+ communities in your area. Look for communities that offer the amenities and services you need, but also have a reputation for being affordable. You can often find information about HOA fees and other costs online or by contacting the community directly.
- Consider older communities: While newer 55+ communities may offer more modern amenities and features, they often come with higher HOA fees to cover the cost of maintenance and upgrades. Consider looking for older communities that have been around for several years, as they may have lower HOA fees and a more established community.
- Look for communities with fewer amenities: While it may be tempting to choose a 55+ community with a wide range of amenities, such as a clubhouse, fitness center, and pool, these communities often come with higher HOA fees to cover the cost of maintenance and upkeep. Consider looking for communities with fewer amenities, or amenities that you won’t use as frequently, to keep your monthly HOA fees down.
- Consider a manufactured or mobile home community: Manufactured or mobile home communities can be an affordable option for retirees, as they often have lower monthly fees than traditional single-family home communities. These communities may also offer amenities such as a pool or clubhouse, but at a lower cost.
- Work with a real estate agent who specializes in 55+ communities: A real estate agent who specializes in 55+ communities can help you find homes that meet your specific needs and budget. They can also provide valuable insights into the local real estate market and the different communities in your area. Contact Brad and Karen Mattonen at www.homesinsdcounty.com to help you start your search!
Here are some 55+ communities in the San Diego area with lower monthly HOA fees:
- Seven Oaks, Rancho Bernardo: Seven Oaks is a 55+ community located in the Rancho Bernardo area of San Diego. The community has a range of amenities, including a clubhouse, pool, and lawn bowling, and the monthly HOA fees are relatively low, typically ranging from $30 to $80 per month. https://www.7oaksrb.com/default.php
- Oaks North, Rancho Bernardo: Oaks North is another 55+ community located in the Rancho Bernardo area of San Diego. This community features a golf course, clubhouse, and pool, among other amenities. The monthly HOA fees range from $365 to $400 per month. https://www.oaksnorthcommunity.org/home/
- Ocean Hills Country Club, Oceanside: Ocean Hills Country Club is a 55+ community located in Oceanside, just north of San Diego. The community features a golf course, clubhouse, and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $466 to $566 per month. For more information, visit http://oceanhillscountryclub.com/.
- East Ridge Fallbrook CA. East Ridge is a Gated 55+ community located in Fallbrook, just north of San Diego. Featuring a well-manicured community with mature landscaping and greenbelts. It consists of 80 modern, attached (twin) and detached homes a clubhouse, pool, and fitness center, and the monthly HOA fees are relatively low, typically ranging from $305 per month Pays for Common area maintenance. Call to confirm HOA Tel: 760-723-4536 Property Management Phone: 951-296-5640
- Costa Serena, Oceanside: Costa Serena is a 55+ community located in Oceanside, just north of San Diego. This community features a clubhouse and pool, and the monthly HOA fees are relatively low, typically ranging from Under $100 a month – – Please verify by calling community HOA at # 760-433-9214
- Oceana, Oceanside: Oceana is a 55+ community located in Oceanside, just north of San Diego. The community features a clubhouse and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $310 to $385 per month. For more information, visit https://oceanaseniors.org/
- Peacock Hills, Oceanside: Peacock Hills is a 55+ community located in Oceanside, just north of San Diego. The community features a clubhouse and pool, and the monthly HOA fees are relatively low, typically ranging from $4 to $6 per month. For more information, visit https://www.peacockhills.org/.
- Villa Trieste, Oceanside: Villa Trieste is a 55+ community located in Oceanside, just north of San Diego. The community features a clubhouse and pool, and the monthly HOA fees are relatively low, typically ranging from $239 to $289 per month. For more information, visit https://hoa-information.com/villa-trieste-homeowners-association-oceanside-ca/
- Sun City, Menifee: Sun City is a 55+ community located in Menifee, just north of San Diego. The community features a golf course, clubhouse, and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $46 to $189 per month. For more information, visit https://suncityhoa.org/.
- High Country Villas, Encinitas: High Country Villas is a 55+ community located in Encinitas, just north of San Diego. The community features a golf course, clubhouse, and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $375 to $425 per month. For more information, visit http://highcountryvillas.org/
- Oaks North Village, Rancho Bernardo: Oaks North Village is a 55+ community located in the Rancho Bernardo area of San Diego. The community features a golf course, clubhouse, and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $365 to $400 per month. For more information, visit https://www.oaksnorthcommunity.org/.
- Camino Hills, Carlsbad: Camino Hills is a 55+ community located in Carlsbad, just north of San Diego. The community features a clubhouse and pool, among other amenities, and the monthly HOA fees are relatively low, typically ranging from $240 to $265 per month. For more information, https://caminohills.org/
- Oceana Mission IV, Oceanside, is a quiet and friendly 55 + Senior community with 131 homes, ina large clubhouse and swimming pool located just off of Old Grove Rd. and 76. Residents enjoy the quick and easy access, five 1/2 miles to downtown Oceanside where the Oceanside Market is held every Thursday and to the Oceanside Pier, Harbor and beach. The Oceanside Harbor offers numerous restaurants and shops for residents and tourist alike to enjoy – HOA is around $ 305 – $ 360which includes Cable/TV Services, Common Area Maintenance, Exterior (Landscaping), Limited Insurance, Roof Maintenance, Trash Pickup, Water https://www.oceanamissioniv.org/
- Casitas de las Amigas is a 55+ community located in San Marcos, California . The mobile home park of 126 spaces is resident owned land. The community offers affordable living with a monthly HOA fee of approximately $260 Residents can enjoy a variety of amenities such as a clubhouse, community pool and spa, tennis courts, and scenic walking trails. The Dues also includes includes Expanded Cable TV Package (even HBO), Trash Pick Up, Water, Sewer, and Common Ground Maintenance The community is situated in a convenient location near shopping centers, restaurants, and recreational activities, providing an ideal lifestyle for seniors who value community and accessibility. https://casitasdelamigos.com/
- Rancho Monserate Country Club is a 55 plus resident-owned community of homes located just east of Bonsall and south of Fallbrook, CA . Many homes have terrific views of the golf course, adjacent pasture lands, the San Luis Rey River Valley, nearby foothills and of distant mountains. This community boasts a 9-hole golf course, a clubhouse with an outdoor pool, and affordable manufactured homes for sale. The HOA in the low 300’s includes FREE GOLF – TENNIS – RV & BOAT STORAGE https://www.ranchomonseratecountryclub.com/
- East Ridge is a 55+ community in Fallbrook, CA that offers comfortable and affordable living with a monthly HOA fee of approximately $290. The community consists of 217 single-story, detached homes that were built in the 1990s. Residents can enjoy amenities such as a clubhouse, community pool and spa, and scenic walking trails. The community is located in a tranquil setting with breathtaking views of the surrounding hillsides, providing a peaceful atmosphere for residents to enjoy. East Ridge is conveniently located near shopping centers restaurants, and recreational activities, making it an ideal living option for seniors who value community and accessibility.
- Avante Del Sur San Diego is a new active adult 55+ neighborhood within the the master-planned community of Del Sur, and made up of single or two-story townhomes. Homes range from 1,544 to 1,787 square feet and feature in-home elevators, second story decks, and two car garages Amenities in this neighborhood will include a green space, an outdoor pool and outdoor grilling areas. Avante Homeowners will also have access to Del Sur’s many amenities including pools, parks and walking trails. The combined Del Sur Master Community Association HOA and Avante HOA is estimated at $423 per month,
- Auberge at Del Sur is a luxurious 55+ community located in San Diego, CA, that offers an exceptional lifestyle for seniors with a monthly HOA fee of approximately $583. The community features 10 single-story floor plans that range from 1,357 to 2,567 square feet in size, with two to three bedrooms and two to three-and-a-half bathrooms. Residents can enjoy amenities such as a 13,000 square-foot clubhouse, resort-style pool and spa, fitness center, and a variety of recreational activities. The community is situated in a prime location near shopping centers, restaurants, and scenic parks, making it an ideal living option for seniors who value luxury and convenience. Auberge at Del Sur offers a premium living experience for seniors who are looking for a vibrant and active lifestyle. https://delsurliving.com/auberge/
HOA fees can vary depending on a number of factors, such as the size of the community, the age of the homes, and the range of amenities offered. It’s always a good idea to do your own research and speak with a real estate agent who specializes in 55+ communities to get a more accurate idea of the monthly HOA fees for specific communities.
It’s important to note that the information provided here is subject to change, and it’s always a good idea to do your own research and speak with Realtors Brad and Karen Mattonen, who specializes in 55+ communities – www.homesinsdcounty.com to get a more accurate idea of the monthly HOA fees for specific communities.
In summary, finding a home in a 55+ community with low monthly HOA fees requires some research and planning. By considering older communities, looking for communities with fewer amenities, and considering manufactured or mobile home communities, you can find a home that fits your budget and your retirement lifestyle. Working with Brad and Karen Mattonen who specializes in 55+ communities can also provide valuable guidance and advice throughout the home buying process.
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