Here are some fun & interesting facts about Sun City Texas located in Georgetown, TX as presented by Ann Dodson, Director of Finance, at the June 2019 Neighborhood Representative Organization meeting –


  • Sun City Texas 2019 revenue = $18 million (53% from HOA dues)
  • Sun City Texas 2019 expenses: $18 million (net zero break even)
  • Total Sun City Texas fund balance = $24 million
  • Current homes in Sun City Texas = 8,075
  • 4,084 homes have their original owners
  • Projected year build-out to 10,000 homes is 2026
  • Avg. new home sales per last 5 years = 267
  • Avg. resales per last 5 years = 444
  • Avg. resale home price = $300k
  • Avg. resident age = 74
  • Avg. length of residency = 8 years
  • 15,000 residents live in Sun City Texas
  • 300 homes are being rented
  • Total number of neighborhoods = 70
  • Neighborhood with the most resales = N24 (232)
  • Neighborhood with the most rentals = N24 (37)
  • Books & videos in the Sun City Texas library = 13,000+
  • Avg. fitness center daily attendance = 1,100
  • Sun City Texas Lifestyle Department bus outings in 2018 = 109



Aug. 5, 2020

Sun City Restaurant of the Week: Wrigley's Pub

Wrigley's Pub is located in Sun City Texas at the corner of Sun City Blvd. and Del Webb Boulevard. It's located within the City Market strip mall and community center just across the street from Sun City Fitness Center and the Community Association. Wrigley's Pub is been here for several years and is a staple to many Sun City residents.Sun City Restaurant of the Week: Wrigley's Pub

"Good place to go for a burger and beer when your out by Georgetown Lake area.  We go there occasionally but are not residents of Sun City for another 10 years.

I haven't had the pizza but am wanting to try it since they have a nice oven and a lot people order it." - Yelp Review

Wrigley's Pub offers various pizza, sandwiches, burgers, and salads and is fully stocked with beer, wine, and spirits. They have happy hour offers and shuffleboard tournaments ( COVID-19 notwithstanding)

They offer daily specials such as grilled brought worse, barbecue pork sandwiches, turkey sandwiches, chicken salads, and Saturday and Sunday custom omelets, potatoes, and biscuits as well as a waffle bar.

"We had a great time.  The bartenders poured good drinks and the crowd was having a blast.  ...great smells coming from the pizza oven." -

Looking to cool off on the hot summer afternoons? Pull up to Wrigley's Pub and enjoy queso and chips, a cold beer, a fantastic oven-fired pizza, or refreshing salad. It's a great place to go after a day of golfing or just to cool off. Most folks feel that has reasonable prices and the food is well prepared and served hot.

If you're looking for a great spot for Sunday brunch, head on into Wrigley's for their fantastic waffle bar where you can top custom made, fresh Belgian waffles with fresh strawberries, blueberries, whip cream, real maple syrup, whipped butter, and lots of other toppings.

Stay tuned to our blog for more on Sun City Texas, featured businesses and restaurants and how to enjoy your Sun City experience.

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Aug. 3, 2020

Have a Credit Score Under 700? Do These 5 Things Now

Have a Credit Score Under 700? Do These 5 Things Now

A credit score of 700 is typically pretty good but the hired is the better rates you'll get when applying for a home loan. Whether you're looking for a mortgage, refinance, or simply looking to apply for a loan, the higher your credit score is, the better terms and rates you'll get. If you're looking for a quick jump, here are five moves you can make now to increase your credit score over 700.

#1. Use Credit Sesame.

Yes, you can use different tools and online resources and Credit Sesame is just one of those. This company will take a look at your credit report and let you know exactly what you need to do to improve your score. That's pretty good. Most lenders will have to pull your credit before doing so. Credit Sesame will take a look at what your credit score needs to improve quickly.

#2. Get a company to pay your credit card bill.

Yes, not just the monthly, but all of it. Chances are, your credit card company has insane rates and they're probably getting rich off of you but there are other companies that can actually help you out including a website called Fiona. Fiona takes a look at your credit score and will help match you with a low interest loan up to $100,000 that you can use to pay off your credit card balances. You're left with just one bill to pay every month and because the interest rate is much lower than what you currently have, you can get out of debt faster. Even if you're worried you won't qualify, you can check for free online in just a couple of minutes and list literally could save you thousands of dollars.

More: A Perspective on the Mortgage Process

#3. Talk to your creditors.

You never know unless you ask. If you have a solid credit history, chances are you'll be able to speak to your lenders and improve your credit score simply by asking. You can either write a letter or call them explaining how long you've been a loyal customer, take responsibility for any mistakes you've made, describe steps you're taking to ensure issues won't happen again and appeal to their empathy. You want to keep it short, sweet, and to the point. Make sure you let them know your account number, the date, and any amount of missed payments that you want removed from your credit history. You might be surprised.

#4. Contact Collection Shield 360 for complicated issues.

If the first three steps don't make a huge difference, you may need to call in reinforcements. Collection Shield 360 is a free service that helps people clean up their credit reports and deal with collection notifications. They will contact your debtors, remove or negotiate marks on your credit report, and help improve your credit score. Many people have seen a 100 to 200 point jump in just a few months.

Related: 4 Additional Ways to Increase Your Credit

#5. Shop around for new car insurance.

Did you know that experts say that you should be shopping for new car insurance about twice a year? Who has time to do that? But honestly, insurance companies take a lot of factors into consideration and they change your price all the time. Chances are you're paying too much. There are many services that actually do the shopping for you and customers can save anywhere from $600-$1000 a year or more depending on how much are currently paying.

While paying off debt, making on-time payments, and paying off credit cards every month are definitely the way to go, there are little loopholes and services that you can use to help you get out of debt faster. For more information on buying a home Sun City Texas, speaking with a lender or finding the right mortgage, contact our office today.

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July 25, 2020

5 Questions to Ask Before Moving into an Adult Only Community

For every adult above 55 years, the next thing in their minds is to settle down in an adult community which is definitely cool. However, it is important as well as safer to ask some questions before taking that big step. These questions will serve as a guide to help navigate through that next phase seamlessly.

1) Does your expectation match what you see?5 Questions to Ask Before Moving into an Adult Only Community

Having expectations is one thing but seeing your expectations being met is the bigger deal. Not every community will have what you desire. So, you need to look through and be sure you want to move in. Most adults want an active community that makes them feel at home and that is what sun city texas has that you can consider. In Sun City Texas, you can surely marry your expectations together with what you see because you will be satisfied.

2) What kind of houses are available?

This question should be one of the top questions to ask when planning a retirement community to move into. This is very important as everybody has different preferences. You might want to stay in a new house instead of a house on resale, so you need to ask if that would be possible. And pending the time your house will be constructed, you might need rentals. All these should be considered when you are planning to move.

3) How serene is it?

After all the many hard work that has gone by in the years, who wouldn't want a serene environment? This should be the next question you should not miss out. Additional to your serene space, you still want a bit of class and comfortable so don't forget to check out these also.

4) Budget-friendly?

The community you plan to retire to should not be one that will cripple your budget rather it should be friendly. If you make the calculations of the general cost of living like electricity, gas, laundry etc. and it surpassing your budget, you might have to reconsider. A good choice is Sun City Texas that supports luxury at a friendly cost. Your guess at this moment will be to try out this community, why not?

5) How homey will it be?

Your new place should never feel like just another house but a home away from home outlook. This is what a homey community does for you, it makes you feel free as though you never left your previous place. The landscape doesn't matter if that feeling is lost. You will have no worries with Sun City Texas with the many friendly people living around to make you feel loved and at home.

By now, most of your questions are answered and you want to take that step. No doubt, moving in will be with great confidence because you know what great future awaits you.

Discover Sun City Texas!

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Posted in Sun City Texas
July 22, 2020

What Does the HOA Cover in Sun City Texas?

Homeowner association fees are $1200 annually as of the publishing of this post. It's important to check with current listings as these prices and fees may change. There is also a one-time working capital fee of $650 paid at closing when you purchase a new property in Sun City.

Items covered by the HOAWhat Does the HOA Cover in Sun City Texas?

Residents have use of all the amenities except for the golf course, the maintenance of all common areas, and maintenance to the twice-annual garage sale. Private or individual garage sales are prohibited by the community restrictions and covenants. Advertising, set up, and teardown of the community garage sale is also included in this.

Residents have the use of two fitness centers. One is located at 2 Texas Dr. and the newest facility is located at 1433 Cool Spring Way. Both facilities include swimming pools both indoor and outdoor, exercise equipment, aerobics studio, and classes. For new members, and orientation is provided. Both facilities offer aerobics and fitness classes each week and new members are given a complimentary consultation with one of their personal trainers. Each household receives two free passes to attend a class of their choice.

Del Webb Yard Maintenance

The homeowner association fees do not cover costs associated with the homes that are on the Del Webb Yard Maintenance Program or golf.

Seven neighborhoods out of the 60 in Sun City are part of a unique, all-inclusive landscaping program. For Garden Homes in neighborhoods 14a, 24a, 25, 30, or cottage homes in 24B1, 24B2, and 33, the homes are automatically on the landscape maintenance program. This requires an annual fee for tree and plant placement, maintenance of the lawn and shrubs, and other maintenance installed by the developer including sprinkler systems, aeration, soil enhancement and fertilization. This additional fee can bump annual HOA fees to about $2900.

Additional Golf

Residents have the option of joining the golf community as well. Sun City features three courses including Legacy Hills, White Wing Golf Clubs, and the newest Cowan Creek course. Each course has its own 9-acre practice range, putting green, clubhouse, pro shop, and lounge. Annual golf passes are available for purchase at the main office and punchcards are available at the pro shop. It's a pay-as-you-go option.

To learn more about Sun City homes and the HOA fees and exactly what they cover for each property, contact my office today. I specialize in all Sun City real estate and can help you find the perfect home with the right HOA fee for your budget.

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Posted in Sun City Texas
July 20, 2020

10 Things to Do When You're Retired

Welcome to your retirement! You have the whole world ahead of you now that you aren’t on the 9 to 5. But what are you supposed to do with all this free time? Here are 10 things that will hopefully keep you occupied through your golden years.

10 Things to Do When You're Retired

Travel the world - Being retired means you don’t have to worry about saving up your vacation time. Whether you are going around the world or just across the state, get out there and see something new.

Create your dream home - You’re about to spend a lot more time at home, so make it the space of your dreams. Plan that big renovation you never got around to or put some fresh paint on the walls. Maybe your dream home is in another state or down the road. Or maybe it’s time to trade in your four walls for four wheels and take your dream home on the road with a trailer or RV.

Volunteer - Give back to your community and stay busy by volunteering at a local organisation. Animal shelters, food banks, churches and youth organizations can always use an extra hand.

Get an education - You’re never too old to learn something new. Keep your mind sharp and check out what your local community colleges are offering, or see if there are any clubs in the area that teach something you have always wanted to learn.

10 Things to Do When You're Retired

Spend time with family - Visiting your family can become a hassle when you are trying to work around a job schedule, especially if you live far away. Use the time you now have to visit the people you haven’t seen in a while.

Make new friends - Living in a senior living community doesn’t have to be dull. Go to some of the planned events or join a club to meet new people who share your interests.

10 Things to Do When You're Retired

Start a new hobby - Retirement is a great time to start a new hobby. You can pick up anything from photography, cards, art, fishing, gardening and so much more. See if there is a club in your community that caters to the hobby and you might even make new friends.

Stay active - Don’t let getting older stop you from keeping active. Go for a walk around the block, take a class at the fitness center, or see if there is a local sports team you can join.

Get a part-time job - Not having a job and having a lot of free time might not appeal to some seniors. Keep busy by getting a part-time job at a business you like or start your own. You can kill time and make some money on the side.

Do nothing - This is your retirement and you can spend it however you want. You can lounge around by the pool, get comfy with a good book, or take a walk in the park; the possibilities are endless. Do you dream of doing nothing? Well do it!

Your golden years are a time for you to relax and find yourself again. But it’s important to remember to live within your means, you don’t want to run out of savings halfway through your retirement. Make the most of it by doing all the things you couldn’t while you were working and who knows maybe you will discover something you never knew you liked.

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Posted in Sun City Texas
July 16, 2020

Investing in a Retirement Community

Investing in a Retirement Community

A retirement community is somewhere seniors can relax and enjoy their golden years but it can also be an investment opportunity.

When owners buy properties to invest it usually means renovating the house and putting it back on the market for a higher amount (aka flipping). This is a good strategy for buying cheap fixer-uppers and giving them a facelift to make some money. Since Sun City is a new development, you won’t make much money from flipping.

Communities that feature single-family homes offer an easier investment opportunity through renting. If you are planning on being a snowbird during retirement, figure out when you would like to stay in your house and then rent it out the rest of the year. You can also buy the house and rent it out all year if you don’t want to move. Both options will help you cover the cost of the house while earning ROI.

Renting at Sun City is available but there are some rules. Leases need to be for a minimum of six months and can only last for eight months before needing to be renewed.

A benefit of investing in these developments is that it’s not hard to find interested people. These places tend to be in areas with nice weather and have desirable activities nearby. Sun City is about 20 minutes from Austin which means it gets sun almost all year long and the winters tend to be mild. And being close to Austin also means that residents can enjoy the sights of the city before heading back home to relax. The development also has its own amenities for those who don’t want to travel; there is a fitness center with pools and lots of events during the year. This will appeal to fellow snowbirds looking to escape the cold and stay busy all year.

Another benefit is that the baby boomer generation will be heading into retirement and looking for retirement homes, which means more potential renters. Many will want to choose living in an active adult community because they can be independent in their own home and be surrounded by their peers.

Search Sun City Texas Homes

These developments also offer smaller homes that are easier to maintain. Yard care isn’t provided but there is a Landscape Maintained Homes program available for specific neighborhoods.

The risks of renting tend to go down when renting to older people because they are less likely to cause serious damage to the property and might stay longer. This means you have to do fewer repairs and won’t be changing out tenants as often. However, you also have to remember that renters with declining health might not be able to continue leasing.

Choosing to invest in a senior community is an easy way to make additional income during retirement. It will help diversify your investment portfolio which will help you make financial decisions in the future. And since the population of retirees is growing you are guaranteed a stable source of renters. If you are interested in renting out a property, talk to a Rugg Realty agent today.


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Do I Have to Pay a Buyer's Agent?

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July 13, 2020

Do I Have To Pay A Sun City Buyer’s Agent?

Do I Have To Pay A Sun City Buyer’s Agent?When real estate is involved, most times it gets difficult to understand how the Realtor is paid. The percentage given to agents is gotten from the commission infused into the total purchase of the house. This percentage is determined by the seller and an agreement is reached before the business is sealed. There is a lot involved when a house or property is being sold. Most times a listing agent is involved and he pays the commission to the agents. As a buyer, your agent and seller’s agent have to split a commission fee from the total price of the house or property being sold.

When you put up the price for a house, you need to infuse the commission meaning that whatever the buyer pays you, the percentage fee for the buyer's agent gets paid by you. The fee is squeezed into the house or property’s listing price. The buyer's agent generally makes 1-3% of the purchase price of a property. Some buyers agent would charge a 50% upfront of their commission and then an extra 50% after the deal has been sealed. Sometimes the buyer's agent has a fixed price and lets the listing agent know so he can infuse it into the payment plan. The buyer’s agent is working for you so he needs to be paid. He's making sure you sell your house or reach an agreement with the buyer, beyond the commission, they are getting paid for the job being done, making sure you successfully sell your property or investment. Most times a buyers agent can tell you there's a development fee.

Related: 3 Reasons NOT to Wait to Buy a House

The buyer's agent can't be paid by both parties if that's what you are worried about. They can be paid as a buyers agent to help you find a property and as a seller’s agent to sell the property because it would be an obvious conflict of interest. The buyer’s agent's commission has to be publicly declared to avoid misunderstandings. Normally, the commission given you agents for a house is about 6% of the total cost of the house. This is split between the listing agent or seller’s agent or the buyer’s agent. The buyer pays the money for the property to you and the listing agent cuts out the 6% which be shares with your buyer’s agent. A contract is always mostly signed for this to avoid any form of misunderstanding.

The listing agent can bring the buyer of the property himself and all you would have to do is still pay the listing agent, which is like paying the buyer’s agent from the money paid to you by the buyer. You would not be able to sell your property if you don't reach an agreement with your listing agent. They help you spread the word and also reach out to buyers.

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So, you have to just pay the commission given to you by your listing agent and that settles it. The buyer’s agent gets paid his own commission from it.

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Posted in Sun City Buyers
July 6, 2020

Snowbird Locations in Texas | Snowbirds for Life

Winters can be tough on seniors, with cold temperatures and snow piling up, it’s enough to make you want to fly south. Well by joining the snowbird community you can head to warmer climates in the winter and back up north when it gets too hot. But moving every few months isn’t easy, so here are some tips on how to smoothly transition into the snowbird lifestyle.Snowbird Locations in Texas | Snowbirds for Life

The first step is finding a location that fits your lifestyle and budget. If you like having friends around you might want to move into a community, but if you like quiet you might want a beach house. Sun City is a perfect place for people looking to stay active, with plenty of clubs and events throughout the year snowbirds here will always be busy. Living in two places means costs will add up as you pay for property taxes and maintenance. Travel will also be costly over time so you have to budget accordingly.

Since you will be in this new location for a while, take the time to get to know it. Before signing the paperwork for a new house you should spend a month or two there to make sure that you will enjoy it.

When you have decided on your new home, it’s time to get set up. For tax purposes, you will need to label one of your homes as your primary residence. This can be done by having your legal documents (driver’s license, taxes, and voter registration) completed with your main address. To keep you from missing important mail like bills, sign up for electronic payments and reminders. Letting mail like newspapers and flyers pile up while you are gone can make your house a target for break-ins while you are away, so have a neighbor pick up anything left on your doorstep or sticking out of your mailbox.

Snowbird Locations in Texas | Snowbirds for LifeIf you are expecting to host guests at your winter home it’s important to get insurance in case someone is injured or there are any damages. Insurance will also come in handy if you live somewhere that gets hurricanes, just in case the worst should happen. Traveling can be risky in the winter no matter if you are flying or driving. Getting travel insurance will keep you from canceled flights, lost baggage, or nonrefundable tickets.

Letting a house sit for several months can lead to problems if you don’t take precautions before leaving. Make sure that when you leave your heat on at a low temperature to keep your pipes from freezing, and unplug appliances (which means you may need to empty your fridge and freezer). Create a list of emergency contacts in case something happens while you are out of town and give them to a trusted neighbor or relative in the area. That way if something happens they can let you know and get someone out to fix the problem.

The final step in transitioning into the snowbird life is an easy one: make this new house your home. You are going to be living here for several months so bring some creature comforts to help you settle in. Put up pictures of relatives, pack your favorite warm-weather clothes, and bring plenty for you to do.

Being a snowbird means a chance to meet new people and see new places. So say goodbye to snow and hello to months of sun and relaxation as you join the growing community of seniors escaping heading south for the winter.

Contact us today for more information on being a snowbird in Sun City Texas

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Posted in Sun City Texas
July 2, 2020

3 Reasons to Not Wait to Buy a House

2020 may not be the best year.... okay, that was a bit understated but it's actually a great year to buy a house. However, you better not wait too much longer. Predictions for the 2021 forecast offer moderate gains and home prices and rising inventory levels, which is good for a balanced market. 3 Reasons to Not Wait to Buy a House

Of course, it all depends on where you live. Some markets are doing better than others but in general, it's a good year to buy, but I wouldn't wait too much longer, and here's why.

#1. Rates are rising.

After our years of record low-interest rates, the government is finally making some noticeable increases. We are now still in the 3% mark and the rate for a 30 year fixed mortgage can hover around 4% depending on credit. With economic growth continuing to rise, we might even go higher by the end of the year. However, this isn't a huge jump, and it still makes homeownership very affordable. This is not the 12% we saw in the 1980s.

#2. Prices are increasing.

Not only are interest rates going up but so are home prices. However, they're not rising at dramatic rates, at least not in most markets across the country. Because we still have a balanced market, prices are not rising so high that it has all real estate agents crying "bubble". The high unemployment rate shouldn't last too much longer, we hope, but for qualified retirees, now is actually a great time to buy before prices surge after the pandemic. 

#3. Inventory levels will increase.

This is the benefit we've been waiting for. In too many markets across the country, inventory has been low with a less than 2 to 3-month absorption rate. A six-month absorption rate is perfect for a balanced market, meaning that if no new listings hit the market today it would take six months to completely exhaust all the listings. The majority of inventory growth will happen in the middle to upper-tier price point usually over the $250,000 mark and above $650,000. New home construction is expanding at a very balanced rate but not too fast, thanks to a constricted labor market, limitations, and bank financing for building loans. It's been a slow climb back from the recession, but this keeps us in a balanced market. Too fast and the bubble bursts, too slow, and the market gets stagnant.


If you're looking to buy sooner rather than later, I would urge you to check out rates, inventory and prices throughout the market that you are interested in. You might be surprised as to what you can afford. Start here by looking at all the Homes for Sale in Sun City Texas

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Posted in Sun City Buyers
June 29, 2020

How to Save on Your Utility Bills

How to Save on Your Utility Bills

Bills are always going up and it gets warm this time of year, so people are always looking for ways to cut energy costs so we don't have a heart attack when we open our utility bills. Some of these tips are easy and some are a little more extensive but all can save you money.

Install a programmable thermostat. If you don't already have one, a programmable thermostat is a great way to save money as you can program the times for the heat to come on and off. This means that when you're not at the house, you're not heating the house to a certain temperature and really saving money. This can save you hundreds of dollars every year.

Consider a tankless water heater. This might be more expensive on the front end but on the back and it can save you hundreds of dollars each year.

More attic insulation. Simply by pumping and more attic insulation can save you a lot of money by keeping more of your heat inside rather than having it escape.

Caulking and weatherstripping. This is another great thing that you should do around every door and window in your house. If you feel a cold breeze coming in through vents, flashings, windowsills, and door frames, it's time to re-up that caulk.

Low flow showerhead. Most people say they don't even notice a difference but it could save you several gallons a day in your morning shower.

For the outside, syncing your sprinkler system with your smartphone can save you a lot of money by not allowing the water to simply run after it is done its job.

Xeriscaping is another way to save money in the summer and springtime by not using a lot of plants that take up water. Consider using part or all of your front yard as a rock garden, pathways, or drought-resistant trees and shrubs.

At Sun City, you can buy a house and rent it out to help cover the costs of the house (a benefit for Snowbirds). Rugg Realty can help you find tenants for your home to take off some stress of getting your house out there. There are some restrictions for the leases at Sun City, the minimum length is six months and the maximum is eight (the owner can choose to renew once the lease ends). Owners can also pay for the HOA fees and landscape maintenance so their tenants don’t have to worry about it.

Whether you are moving to Sun City full time or just want to spend the winter somewhere warm, finding a place to call home is important. Check out Rugg Realty’s full list of available properties and get ready to retire in luxury.



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