Costs of owning

What it really costs to own in Florida.

Esprit HOA fees

St Cloud, Osceola County · 34772

Homes in Esprit (St Cloud) pay a median $1,020 a year in HOA dues, about $85 a month, based on 28 listings. Half fall between $1,008 and $1,020. None of the listings we reviewed report a CDD.

HOA, median
$1,020/yr
About $85 a month
CDD, median
None reported
Property tax, median
$5,329/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$529
HOA + tax at the medians

What the dues cover

  • Pool29% of listings

Amenities listed: Pool, Playground.

Live inventory

For sale in Esprit right now

14 active listings

3811 Friars Cove Ln
Active
House for sale
$449,900
4 bed2 bath1,677 sqft0.26 acre lot
3811 Friars Cove Ln
St Cloud, FL, 34772
Brokered by WEICHERT REALTORS HALLMARK PRO
3606 Charmed Ln
Active
House for sale
$380,000
4 bed2 bath1,859 sqft0.17 acre lot
3606 Charmed Ln
St Cloud, FL, 34772
Brokered by CENTURY 21 WOLF'S CROSSING REALTY
3747 Moon Dancer Pl
Active
House for sale
$299,900
4 bed2 bath2,130 sqft0.22 acre lot
3747 Moon Dancer Pl
St Cloud, FL, 34772
Brokered by XCLUSIVE HOMES LLC
3504 Blithe CT
ActivePrice reduced
House for sale
$399,900
$15k
3 bed3 bath2,004 sqft0.35 acre lot
3504 Blithe CT
St Cloud, FL, 34772
Brokered by EMPIRE NETWORK REALTY
3942 Eternity Cir
ActivePrice reduced
House for sale
$370,000
$10k
4 bed2 bath1,859 sqft0.17 acre lot
3942 Eternity Cir
St Cloud, FL, 34772
Brokered by RADIUS REALTY GROUP LLC
3969 Eternity Cir
ActivePrice reduced
House for sale
$365,000
$5k
4 bed2 bath1,859 sqft0.16 acre lot
3969 Eternity Cir
St Cloud, FL, 34772
Brokered by KELLER WILLIAMS LEGACY REALTY
3773 Moon Dancer Pl
ActivePrice reduced
House for sale
$359,900
$10k
4 bed2 bath1,859 sqft0.18 acre lot
3773 Moon Dancer Pl
St Cloud, FL, 34772
Brokered by PREFERRED REAL ESTATE
3809 Enchantment Ln
Active
House for sale
$374,900
4 bed2 bath1,859 sqft0.18 acre lot
3809 Enchantment Ln
St Cloud, FL, 34772
Brokered by RE/MAX PRIME PROPERTIES
See all 14 Esprit homes

Esprit cost questions

How much are HOA fees in Esprit?

Homes in Esprit (St Cloud) pay a median $1,020 a year in HOA dues, about $85 a month, based on 28 listings. Half fall between $1,008 and $1,020.

Does Esprit have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Esprit, before the mortgage?

HOA and property tax come to about $529 a month at the medians (property tax median $5,329 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Esprit from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 28 addressesin subdivisions matching “ESPRIT”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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