A buyer under contract on a home in Grand Traditions called her agent two weeks before closing with a question that should have surfaced on day one. The MLS sheet listed the HOA fee as roughly a thousand dollars a year. The resale certificate that had just landed in her inbox showed a second, entirely separate association billing her quarterly. Nobody had lied to her. The listing sheet was accurate. It just wasn't complete.
That gap between what a listing shows and what a buyer actually owes is the thing worth understanding before you write an offer in Stonebridge Ranch, not after.
One Assessment Number, Two (or Three) Different Bills
Stonebridge Ranch spans more than 5,000 acres and organizes itself into more than 70 named villages, each governed first by the master Stonebridge Ranch Community Association and then, in a meaningful number of cases, by a second HOA that exists only for that village. The SRCA sets one flat rate for most homeowners: $953 in 2024, rising to $1,053 for 2026 under a governing rule that caps annual increases at 5 percent. That number is the one that ends up on marketing flyers and listing sheets, because it's the one figure the master association publishes.
What doesn't make it onto most flyers is the second bill. A number of Stonebridge Ranch villages maintain their own sub-associations that handle neighborhood-specific maintenance, and each of those sub-associations assesses its own separate fee on its own separate schedule. The master association is upfront about this on its own site: it notes plainly that it does not track or publish sub-association fees, because those associations bill and communicate with their homeowners directly.
| Year | SRCA Flat Rate Assessment | Context |
|---|---|---|
| 2024 | $953 | Baseline before the two most recent increases |
| 2026 | $1,053 | Current rate, capped at 5% annual growth by governing documents |
That table tells you what the master association charges. It tells you nothing about what your specific village charges on top of it.
Villages With a Second Bill
Summer Point is a clean example of how this actually works day to day. Homeowners there pay Summer Point HOA dues twice a year, in January and July, completely separate from the SRCA's single January payment. A Summer Point owner isn't paying one association twice. They're paying two associations on two different calendars, and the two invoices don't arrive together or reference each other.
Symphony runs on a similar structure, managed not by the SRCA's property management partner but by a different firm, Greenhouse Management Association, entirely. LakePoint Village works the same way: its front yards are serviced under a village-wide contract with Landscape Technologies, its shade trees fall under a separate agreement with Paramount Tree Service, and the village itself is managed day to day by CMA Management Services rather than by the SRCA's office. Grand Traditions has its own elected HOA officer whose job is specifically to keep that village's fees, services, and design standards on track, independent of whatever the master association is doing citywide.
None of this means Stonebridge Ranch is more expensive than it looks. It means the real answer to "what will I owe" depends on which of the 70-plus villages you're buying into, not on the community name printed on the entry monument.
Two homes can carry the same Stonebridge Ranch name on the sign out front and answer to two entirely different sets of dues, calendars, and rules.
Modifications compound the same pattern. Any exterior change, from a fence to a patio cover, needs approval under the SRCA's community-wide Modification Design Guidelines and under that specific village's own guidelines, and wherever the two disagree, the stricter one wins. A homeowner in a village with tighter rules than the master association doesn't get to default to the looser standard just because the SRCA would have allowed it.
The Tax Value Lot That Resets the Moment You Buy It
There's a second mechanism buried in the master association's own fee structure that matters even more for anyone buying an older home in the community. Stonebridge Ranch has been building for more than three decades, and its earliest lots were assessed differently than the flat rate that governs most homes today. Those original "tax value lots" pay an annual assessment calculated as a factor multiplied against the property's assessed valuation, rather than the flat dollar figure everyone else pays, and that calculation is capped so it can never exceed the current flat rate.
Fewer than 8 percent of lots in the community still carry this legacy structure, and the number shrinks every year for a specific reason: the moment a tax value lot changes hands, it converts permanently to the flat rate. A seller who has held a tax value lot for years, quietly paying less than a neighbor two doors down, cannot pass that lower number to the buyer. The buyer inherits the flat rate from day one of ownership, regardless of what the seller's most recent statement showed.
If you're comparing two similar homes in older sections of Stonebridge Ranch and one shows a noticeably lower HOA line in its transaction history, that lower number may not survive the sale. It's worth confirming which assessment method a given lot uses before you build it into your monthly budget, because the figure on last year's statement and the figure on your first bill as owner are not guaranteed to match.
What Shows Up in Your Closing Documents
Texas law and the SRCA's own process require sellers to hand buyers a resale certificate before closing, and that packet is worth reading closely rather than skimming. It includes a Tax Value Lot Disclosure spelling out which assessment method applies to that specific property, and a Transaction History that itemizes the SRCA's annual assessment alongside any village-level or special assessments tied to that lot. The certificate itself runs a $375 fee, paid as part of the transaction, and it's the one document that actually lays both bills side by side instead of leaving a buyer to piece them together from separate mailers after move-in.
Special assessments are worth asking about directly, because a 30-year-old community with this much shared infrastructure eventually needs capital repairs that a normal operating budget doesn't cover. In 2025, the SRCA approved a $1,204 special assessment to fund a Beach Club pool replacement and related amenity upgrades, billed separately from the regular annual dues. Earlier this year, a fire suppression failure flooded the association's own office building, damaging staff areas badly enough that a full rebuild was required, and the board extended that year's regular assessment deadline by roughly five weeks to account for the disruption. Neither event changes what a buyer owes long term, but both are useful reminders that an established HOA still has live capital needs and occasional operational hiccups, and a buyer who only asks about the current flat rate is asking half the question.
What to Confirm Before You're Under Contract
A few questions are worth asking your agent or the seller's side before you're deep into an option period on a Stonebridge Ranch home:
- Does this village have its own sub-association, and if so, what's the current fee and billing schedule
- Is this a flat rate lot or a legacy tax value lot, and does that status survive the sale
- Has the SRCA or the village association approved any special assessments in the past two years, or flagged any upcoming ones
- Which set of modification guidelines, SRCA or village level, governs exterior changes on this specific lot
Getting these answers before you write an offer, rather than after your resale certificate arrives, gives you room to negotiate or adjust your monthly budget while you still have leverage.
Frequently Asked Questions
Does every Stonebridge Ranch village have a second HOA? No. A number of villages, including Summer Point, Symphony, LakePoint Village, and Grand Traditions, maintain their own sub-associations. Others operate under the master SRCA structure alone. The only way to know is to ask which association governs a specific address.
Can a seller keep their tax value lot status and just not mention it? The status itself is disclosed in the resale certificate's Tax Value Lot Disclosure, but the assessment method converts to the flat rate automatically upon sale regardless of what the current owner has been paying. A buyer inherits the flat rate from closing forward.
Who do I contact to confirm sub-association fees before I write an offer? The SRCA's own office directs homeowners to contact village sub-associations directly, since the master association doesn't track or publish those fees itself. Your agent or title company can request this as part of the resale certificate process.
Where can I see the SRCA's current fee structure and closing document requirements myself? The Stonebridge Ranch Community Association's site publishes its financial considerations and closing documents pages directly, and its village directory lists which neighborhoods maintain their own sub-associations.
If you're comparing homes across Stonebridge Ranch's villages and want a clear read on what a specific address will actually cost you month to month, not just what the listing sheet shows, North Texas Dream Homes can walk through the resale certificate with you before you're locked into an option period. Schedule a free home valuation and consultation to get the full picture before you write an offer, not after.
