Question 1

What is a CDD fee?

Accepted Answer

A Community Development District is how most newer Florida communities financed their own infrastructure: roads, water lines, ponds, amenity centers. The developer borrowed the money through a bond, and every home in the district pays a share of it back each year, plus ongoing maintenance. It shows up as a line on your property tax bill, not as a separate HOA-style invoice.

Question 2

Is the CDD fee part of my mortgage payment?

Accepted Answer

Usually, yes. Because it rides on the tax bill, most lenders escrow it with your property taxes, so it lands inside your monthly payment. That's exactly why it's worth checking before you fall in love with a house. Two similar homes can differ by $200 or more a month once the CDD is counted.

Question 3

How is a CDD different from an HOA?

Accepted Answer

They're separate, and many communities have both. The HOA covers rules and shared upkeep and bills you directly. The CDD repays infrastructure bonds and funds district operations through your tax bill. When a listing says something like 'HOA $100/year' in a big master-planned community, the CDD is often where the real number lives.

Question 4

Does the CDD fee ever go away?

Accepted Answer

Part of it can. The bond portion typically runs 20 to 30 years from when the community was built, and it can be paid off early on some homes. The operations and maintenance portion generally continues as long as the district exists. A resale in an older phase sometimes carries a smaller CDD than a brand-new build a street over, so it's worth asking which portion remains.

Question 5

Why do newer communities have higher CDD fees?

Accepted Answer

Newer districts are still early in their bond repayment, and recent construction costs more to finance. From what I see in the data, newer master-planned communities in Pasco and southern Hillsborough tend to run $2,000 to $3,500 a year, while communities from the early 2000s are often under $1,500.

Question 6

Where does this data come from?

Accepted Answer

Median figures come from 16,608 MLS listings in the Stellar MLS system that reported an annual CDD assessment, grouped by community with phases combined. Every community shown has at least 3 listings behind it. Individual homes vary by lot size, product type, and bond status, so treat these as a starting point and verify the exact figure on any home you're serious about. Updated 2026-07-03.

Community ↑	City	County	Median CDD / yr	≈ Monthly	Range Seen	Listings
Abbott Park	Zephyrhills	Pasco	$3,157	$263/mo	$2,526–$3,158	3
Abbott Square	Zephyrhills	Pasco	$2,521	$210/mo	$720–$3,623	18
Alora	Orlando	Orange	$1,500	$125/mo	$1,500–$1,500	3
Anand Vihar	Wesley Chapel	Pasco	$701	$58/mo	$670–$702	4
Anand Vihar Club Villas Condo	Wesley Chapel	Pasco	$410	$34/mo	$390–$581	3
Angeline	Land O Lakes	Pasco	$2,832	$236/mo	$397–$4,520	114
Annabelle Estates	Lake Wales	Polk	$2,770	$231/mo	$999–$2,770	13
Anthem Park	St Cloud	Osceola	$1,912	$159/mo	$822–$3,439	18
Antigua Cove	Ruskin	Hillsborough	$4,376	$365/mo	$3,976–$4,377	13
Aqua Lagoon	Bradenton	Manatee	$2,044	$170/mo	$1,959–$2,078	7
Arbor Grande	Bradenton	Manatee	$1,867	$156/mo	$1,222–$1,867	9
Arbor Greene	Tampa	Hillsborough	$2,529	$211/mo	$1,501–$3,779	30
Arbor Oaks at The Woodlands	North Port	Sarasota	$1,238	$103/mo	$1,203–$1,238	4
Arbor Park	Leesburg	Lake	$1,393	$116/mo	$792–$1,951	17
Arbors/Wiregrass Ranch	Wesley Chapel	Pasco	$1,364	$114/mo	$1,349–$1,365	6
Arlington Rdg	Leesburg	Lake	$2,689	$224/mo	$997–$2,859	6
Arlington Ridge	Leesburg	Lake	$2,689	$224/mo	$2,688–$3,908	19
Artisan Club Condo	Celebration	Osceola	$858	$72/mo	$790–$868	6
Artisan Lakes Eaves Bend	Palmetto	Manatee	$1,206	$101/mo	$996–$1,421	24
Artisan Lakes Esplanade	Palmetto	Manatee	$1,240	$103/mo	$886–$1,957	29
Ashberry	Wesley Chapel	Pasco	$1,133	$94/mo	$782–$1,459	8
Astonia	Davenport	Polk	$1,865	$155/mo	$740–$2,872	11
Astonia North	Davenport	Polk	$2,026	$169/mo	$400–$2,646	8
Asturia	Odessa	Pasco	$2,651	$221/mo	$2,123–$3,753	22
Aurora	Bradenton	Manatee	$1,569	$131/mo	$1,500–$1,785	6

CDD fees, community by community.

What a CDD fee actually is

CDD questions, answered.

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