What it really costs to own in Florida.
Gem Estates HOA fees
Zephyrhills, Pasco County · 33542
Homes in Gem Estates (Zephyrhills) pay a median $350 a year in HOA dues, about $29 a month, based on 5 listings. Half fall between $350 and $350. None of the listings we reviewed report a CDD.
What the dues cover
- Water60% of listings
- Recreational Facilities60% of listings
Amenities listed: Shuffleboard Court, Clubhouse, Recreation Facilities.
Live inventory
For sale in Gem Estates right now
4 active listings
Gem Estates cost questions
How much are HOA fees in Gem Estates?
Homes in Gem Estates (Zephyrhills) pay a median $350 a year in HOA dues, about $29 a month, based on 5 listings. Half fall between $350 and $350.
Does Gem Estates 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 Gem Estates, before the mortgage?
HOA and property tax come to about $153 a month at the medians (property tax median $1,488 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 Gem Estates 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 5 addressesin subdivisions matching “GEM ESTATES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Country Aire VillageZephyrhills · HOA $1,680/yr
- Talia CondoZephyrhills · HOA $3,300/yr
- Sleepy Hollow Mobile EstatesZephyrhills · HOA $1,440/yr
- Driftwood ZephyrhillsZephyrhills · HOA $4,140/yr
- Zephyrhills Colony CoZephyrhills · HOA $225/yr
- Crestview HillsZephyrhills · HOA $640/yr
- Eiland Park TownhomesZephyrhills · HOA $3,420/yr
- Green Hills EstatesZephyrhills · HOA $450/yr
- Spanish TrailsZephyrhills · HOA $1,368/yr
- Wedgewood ManorZephyrhills · HOA $2,160/yr
- Spanish Trails West Residential CooperativeZephyrhills · HOA $1,704/yr
- Betmar AcresZephyrhills · HOA $448/yr
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