Saratoga Springs HOA Guide

Green Cove Springs, Clay County · HOA, CDD, rules, builders and amenities in plain English

At a glance

Location	Green Cove Springs, Clay County
Builders	Ryan Homes
Home types	Single-family, including 55+ single-story ranch homes in a gated section
HOA	Not confirmed yet — ask us for the current figure.
CDD	Not confirmed — we're checking.
Status	Selling (55+ Ranches); Coming Soon (all-ages single-family)

Builders and starting prices

Starting prices as advertised in October 2026. Prices change often, and builders run incentives that come and go. Ask us for the current numbers before you visit.

Builder	Homes	From	Floor plans
Ryan Homes	Saratoga Springs 55+ Ranches — single-story single-family	$409,990	6 plans, about 1,753–2,729 sq ft, 2–3 bedrooms, 2- to 3-car garages
Ryan Homes	Saratoga Springs single-family (coming soon)	$349,990	Builder site shows Beechwood (about 1,488 sq ft) and Cresthaven (about 1,657 sq ft), 2 bedrooms, 2-car garages

Visiting the model homes? Bring your agent, or call us first, so you’re registered with the builder on your first visit.

HOA and CDD at Saratoga Springs

HOA

Dues are not published. Not confirmed yet — ask us for the current figure.
Lawn care is included, per the builder. Ask what else the HOA covers.
55+ buyers: ask for the age-restriction rules and whether the 55+ section has its own fees.

CDD

Not confirmed — we're checking. Ask us before you write a contract.
If there is a CDD, its assessment would appear on the Clay County property tax bill and would vary by lot.

Rules that affect daily life

We’re still collecting the recorded HOA documents for Saratoga Springs. Before you write a contract, ask us for the rules on renting, pets, vehicles and boats, fences, pools and exterior changes. These rules vary a lot from one community to the next.

Amenities

The gated 55+ section has a clubhouse, pool, fitness center, pickleball, bocce and a lifestyle director. The wider community has trails and lakes, and a 15-acre farm is planned as part of the agrihood.

Before you buy here

55+ buyers: get the age-restriction rules in writing before you sign.
Ask whether there is a CDD — it has not been confirmed.
Ask the builder for its written warranty booklet before you sign.
Bring your agent (or call us) before your first visit so you're registered with the builder.

Get the Saratoga Springs HOA packet

We’ll send you the HOA and CDD information we have on file and run the true monthly cost on any home you like, including HOA, CDD, taxes and insurance.

Request the HOA packet Call 386.449.9248 All communities

Sources: Builder website, community directory and new-home listing sites (October 2026).

The Decker Group Brokered by Navy To Navy Homes
Garrett Decker, Broker Associate BK 3466920 · Mortgage Loan Originator NMLS 2567934, FLO Mortgage (Company NMLS 1835856) · Angel Decker, Sales Associate SL 3530137 · Brokerage CQ1038170
386.449.9248 · buyahomeatthebeach.com · BUILT ON TRUST. DRIVEN BY RESULTS.

Information provided by the builder/HOA and subject to change. Verify all fees, terms, and figures directly before relying on them. This page summarizes community documents in plain English and is not legal advice. Have a real estate attorney review contract and HOA questions.