Supplementing my post above, although there are no initiation or trail fees here at Pebble Creek, there is an upfront cost- namely, the cost of buying a golf cart for golf and traveling around within the gates of the community. The choices are- "Reconditioned" (lightly used) or "Rebuilt"(new batteries, tires and seating) or "New" Costs range from $1500 up to $10,000+ We bought a "Rebuilt" in the middle of the price range.