Estate Golf outside home, fair extra cost to motorist? (7,4)

I believe the answer is:

parking fine

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'estate golf outside home fair extra' is the definition.
I don't know anything about this answer so I cannot tell whether this works.

'cost to motorist?' is the wordplay.
'cost' becomes 'fine' (fine is a kind of cost).
'to' says to put letters next to each other (I've seen this in other clues).
'motorist?' becomes 'parking' (I can't explain this - if you can you should believe this answer much more).
'fine' after 'parking' is 'PARKING FINE'.

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I've seen this clue in The Independent.

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