What it really costs to own in Florida.
Indian Lakes HOA fees
St Cloud, Osceola County · 34772
Homes in Indian Lakes (St Cloud) pay a median $936 a year in HOA dues, about $78 a month, based on 8 listings. Half fall between $936 and $956. None of the listings we reviewed report a CDD.
What the dues cover
- Pool63% of listings
- Recreational Facilities25% of listings
Amenities listed: Playground, Pool, Tennis Court(s).
Live inventory
For sale in Indian Lakes right now
4 active listings
Indian Lakes cost questions
How much are HOA fees in Indian Lakes?
Homes in Indian Lakes (St Cloud) pay a median $936 a year in HOA dues, about $78 a month, based on 8 listings. Half fall between $936 and $956.
Does Indian Lakes 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 Indian Lakes, before the mortgage?
HOA and property tax come to about $519 a month at the medians (property tax median $5,296 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 Indian Lakes 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 8 addressesin subdivisions matching “INDIAN LAKES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Canoe Creek WoodsSt Cloud · HOA $349/yr
- Southern PinesSt Cloud · HOA $804/yr
- Canoe Creek EstatesSt Cloud · HOA $375/yr
- Sky LakesSt Cloud · HOA $3,000/yr
- Canoe Creek LakesSt Cloud · HOA $329/yr
- CamelotSt Cloud · HOA $704/yr
- Stevens PlantationSt Cloud · HOA $834/yr · CDD $1,803/yr
- Sweetwater CreekSt Cloud · HOA $430/yr
- KanugaSt Cloud · HOA $125/yr
- Old HickorySt Cloud · HOA $720/yr · CDD $1,906/yr
- Oak RidgeSt Cloud · HOA $2,580/yr
- Palm Gardens CondoSt Cloud · HOA $3,600/yr
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