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The Quarry’s cost of ownership is really three separate bills — the master association (QCA), a CDD on the tax bill, and optional golf — plus a sub-association if you buy a coach home. Here’s each one with sources and dates, not guesses.
Key figures — as of June–July 2026
| QCA master dues — single-family | $2,535/qtr (typ.; some $2,466) → ≈$10,740/yr total recurring |
| QCA master dues — coach homes | ≈$1,924/qtr + sub-association $1,826–$2,142/qtr → ≈$15,540–$16,864/yr total |
| QCA master dues — estate line | $3,073/qtr + $1,312/yr |
| Amenity/club fee (all owners) | $600/yr, mandatory |
| Quarry CDD (FY2026, by product/tier) | ≈$1,561–$5,619/yr on the tax bill |
| CDD FY2027 (proposed 6/8/2026) | Down 7.6%–18.4% (−$288 to −$441/yr); final adoption ~Aug 2026 |
| CDD bond debt | Series 2020, PNC private placement @ 1.94%; tranches retire 2029 / 2033 / 2036 |
| Golf (optional, separate club) | Equity Family $110,000 joining / $15,100 dues + club fees — 2025 Membership Packet |
Sources: NABOR MLS structured fee fields, 2025–2026 Quarry listings (pulled 6/20/2026); QCA 2025 operating budget (amenity-fee line); Quarry CDD FY2026 Final Adopted Budget (8/11/2025) and FY2027 Approved Proposed Budget (6/8/2026), quarrycdd.org; The Quarry Golf Club 2025 Membership Packet. Fees change with each budget — verify any specific home via its estoppel certificate.
Buyers routinely mix these up, and it muddies every fee conversation:
Coach and condo enclaves (Ironstone, Silverstone, Nautica Landing, Quartz Cove) add a fourth line: a sub-association that maintains the buildings.
From the structured fee fields on 2025–2026 NABOR MLS Quarry listings (about 60 listings reviewed, pulled June 20, 2026):
| Product / enclave | Master HOA (qtr) | Sub-assn (qtr) | MLS total annual recurring |
|---|---|---|---|
| Ironstone (coach) | $1,924 | $1,984 | $16,232 |
| Silverstone (coach) | $1,924 | $2,107 | $16,724 |
| Nautica Landing (coach) | $1,924 | $2,142 | $16,864 |
| Quartz Cove (coach) | $1,882–$1,927 | $1,826–$1,892 | $15,540–$15,926 |
| Single-family (Limestone, Graphite, Fieldstone, Quarry Dr…) | $2,535 (typ.) | — | ≈$10,740 (range $8,128–$10,790) |
| Waterfront estate (Breakwater Dr, Cobalt Cove…) | $3,073 + $1,312/yr | — | $14,204 |
On top of dues, every owner pays a mandatory $600 annual amenity/club fee — it appears both in the QCA’s 2025 operating budget and on MLS listings as “Mandatory Club Fee $600 Annually.” These are agent-entered MLS fields, so treat them as current best evidence and confirm any specific address via the estoppel.
Unlike the HOA numbers, the CDD schedule is fully primary-sourced — the district publishes exact per-unit assessments. From the FY2026 Final Adopted Budget (adopted August 11, 2025), total annual assessment per unit (operations + all debt tranches, gross before the ~4% early-payment discount):
| Product | FY2026 total per unit |
|---|---|
| Coach | $1,560.66 – $2,913.03 |
| Luxury Coach | $2,585.58 – $3,099.64 |
| Single-family 55′ | $1,780.77 – $2,816.80 |
| Single-family 67′ | $2,050.55 – $3,379.20 |
| Single-family 75′ | $2,503.91 – $4,852.78 |
| Single-family 90′ | $3,824.13 – $5,619.38 |
Why the ranges? Tiers within each product reflect differing Series 2020 debt allocations — some owners have prepaid their bond share, so their neighbors’ lines differ. New to CDDs? Start with our plain-English CDD guide.
As of July 2026: the Quarry CDD board approved a proposed FY2027 budget on June 8, 2026 that cuts the O&M assessment roughly 35–38% for every product type — total per-unit assessments down $287.84 to $440.79 (−7.6% to −18.4%), with debt service unchanged. Example: the base single-family 75′ tier falls from $2,503.91 to $2,134.85. The district front-loaded capital and stormwater work in FY2026, then cut the levy. This is pending final adoption at the budget hearing (typically August 2026) and would first appear on November 2026 tax bills — verify the adopted numbers at quarrycdd.org after the hearing.
Per The Quarry Golf Club’s own 2025 Membership Packet, an Equity Family membership is $110,000 to join with $15,100 in annual dues, plus club fees (debt-repayment and capital-reserve fees, a food-and-beverage minimum, and per-round cart fees). Social and summer-golf tiers cost a fraction of that. Because it’s a member-owned club, availability and the fee schedule move — the full tier-by-tier breakdown lives on our Quarry golf & membership profile, and the membership office at (239) 304-0172 has the current word.
Here’s where honesty beats a tidy table: 2025–2026 MLS listings show one set of one-time transfer figures, while the association’s own 2025 budget fee lines support a materially different total — a mismatch that likely reflects a recent fee change. So we don’t publish a number. The estoppel certificate (ordered through FirstService Residential) states the exact resale fee, capital contribution, and application fee for the specific home — plan on a five-figure-ish one-time outlay, and let me pull the estoppel-level figures before you write the offer.
It depends on home type. On 2025–2026 NABOR MLS listings, most single-family homes show Quarry Community Association (QCA) master dues of $2,535 per quarter with total annual recurring fees around $10,740. Coach homes pay a lower master line (~$1,924/qtr) plus a sub-association fee of roughly $1,826–$2,142 per quarter, putting their MLS total recurring at about $15,540–$16,864 a year. Estate listings show a $3,073/qtr line plus $1,312 a year. Every owner also pays a mandatory $600 annual amenity/club fee. Verify the exact home via its estoppel certificate before you offer.
QCA dues fund the lakeside Beach Club campus — the renovated Lake Lodge & Beach Club, resort and lap pools, private lake beach, Q Bar tiki, dining, the wellness center, tennis, pickleball and bocce, plus gated security and community management. Coach and condo enclaves add a sub-association fee that typically covers building insurance, exterior maintenance, and landscaping. Golf is not included — The Quarry Golf Club is a separate, optional club.
The Quarry Community Development District assessment appears on the Collier County tax bill and is set by product type and tier. Per the CDD’s adopted FY2026 budget, totals run from about $1,561/yr (largest coach tier) up to $5,619/yr (top single-family 90-foot tier); typical single-family tiers run roughly $1,781–$2,504. The amount blends operations and Series 2020 bond debt, so two similar homes can differ — I can pull the exact CDD line for any address.
That is the plan on paper. The CDD board approved a proposed FY2027 budget on June 8, 2026 that cuts the operations-and-maintenance assessment roughly 35–38% for every product type, reducing total per-unit assessments by about $288–$441 a year (a 7.6%–18.4% decrease), with debt service unchanged. It is pending final adoption at the district’s hearing (typically August 2026), so treat it as proposed until adopted — check quarrycdd.org for the final numbers.
Yes on both. The debt is the Series 2020 refunding bonds (a private placement with PNC Bank at a 1.94% rate), and it rolls off in steps: the three tranches mature May 2029, May 2033, and May 2036, so all CDD bond debt is gone by 2036. Owners can also request a payoff quote from the district manager, Inframark (BondPayoff@inframark.com), and retire their parcel’s balance — some owners already have, which is why assessments vary by tier.
Unless it is paid off, yes. A real example from a NABOR CDD disclosure on an Ironstone coach home (signed December 2024): outstanding CDD capital balance of $17,800, with a combined annual assessment of about $2,915. The disclosure exists precisely so buyers see this — always review it, and ask for a payoff quote if you want the debt retired at closing.
No — golf is completely optional. The Quarry Golf Club is a separate, member-owned club; every homeowner gets the Beach Club through QCA dues regardless. Per the club’s own 2025 Membership Packet, an Equity Family golf membership runs $110,000 to join with $15,100 in annual dues, plus club fees; social and summer-golf tiers cost far less. The full current schedule lives on our dedicated golf profile, and fees change — confirm with the membership office.
Plan on a meaningful one-time amount, but do not trust any single published number: recent MLS listings and the association’s own budget fee lines do not agree on the figure, which suggests it changed recently. The estoppel certificate from FirstService Residential is the document that states the exact resale, capital-contribution, and application fees for a specific home — I pull it before my buyers write offers, and Florida caps its cost at roughly $299.
Related: the full Quarry guide · boating & lake life · rules, leasing & pets · selling your Quarry home · CDDs explained
Send me the address and I’ll pull the estoppel-level figures — dues, sub-association, one-time fees, the parcel’s exact CDD line and remaining bond balance, plus a tax estimate off your actual purchase price — before you write the offer.