The lowest-priced home on Lennar’s Valencia list, still on 5 November 2026, is a Tivoli at 1647 Double Eagle Trail, $538,999. It has no pool, and Lennar’s sales team expects it to be ready to close in December 2026. Here is what that costs per month on an example loan, what the HOA covers, what golf adds if you want it — and the two lines that are large enough in Collier County that a payment estimate without them is not worth carrying around.
The example loan
| Home | Price | 20% down | Loan | P&I / month |
|---|---|---|---|---|
| Tivoli, homesite 033B | $538,999 | $107,800 | $431,199 | ~$2,726 |
Principal and interest only, at a 6.50% example rate over 30 years. An illustration of arithmetic, not a loan quote, offer, pre-approval or financial advice; your rate, down payment and loan product come from a lender. Lennar lists promotional financing through Lennar Mortgage on available homes, and whether it beats an outside lender over the years you hold the loan is a calculation we run with you.
The HOA
Lennar publishes an approximate HOA of $399 a month at Valencia. It covers lawn maintenance, the gated entry and the amenity campus — the resort-style pool, Mediterranean clubhouse, fitness centre, tennis, dog park and playground. Add it to the example and you are at roughly $3,125 a month before taxes and insurance. Our HOA page has the detail and the questions to ask the association directly.
Golf, only if you want it
The 18-hole course is public and pay-as-you-play at about $30 a round, and membership is optional — which is the single biggest structural difference between Valencia and most Naples golf communities, where a mandatory membership is attached to the deed. Our guide to Naples golf communities without mandatory membership explains the bundled, equity and pay-as-you-play models. A non-golfer at Valencia pays nothing for the course.
The two lines nobody publishes
Property tax. The figure on a brand-new home is often based on the vacant lot. Once Collier County assesses the finished house, the bill is calculated on the completed value, less homestead exemption if you qualify. We apply the current millage for the Valencia tax district to the expected assessed value of the specific home, in writing, before you make an offer.
Insurance. Southwest Florida windstorm and flood exposure make this a quote for the address, not a rule of thumb. A new house built to the current Florida Building Code generally prices better than the resale down the road, and the wind mitigation form at closing is what the insurer wants to see; the insurance guide on our Southwest Florida hub has the county averages.
Putting it together
$2,726 P&I plus $399 HOA is a partial number. The real one adds the tax line for this parcel and an insurance quote for this address, and only then tells you whether the Tivoli at $538,999 sits comfortably in the budget. We run the complete figure on the specific home and homesite, with Lennar’s live price and incentive on it, before you decide. Call or text (239) 208-0906. Our cost of ownership page walks through the same arithmetic for the Summerville II at $649,783.
Questions people ask
How much is the HOA at Valencia Golf & Country Club?
Lennar publishes an approximate $399 a month, covering lawn maintenance, the gate and the amenity campus. Confirm the current assessment with the association before you sign.
Is golf membership mandatory at Valencia?
No. The course is public and pay-as-you-play at about $30 a round; membership is optional.
What is the monthly payment on a $538,999 home?
About $2,726 in principal and interest with 20% down at a 6.50% example rate over 30 years, before HOA, taxes and insurance. Your lender’s figure will differ.
Why won’t you estimate taxes and insurance?
Because in Collier County both are large and both are specific to the parcel and the address. We calculate the tax on the finished value and get a real insurance quote for the home you are considering rather than guess.
