What it really costs to own in Florida.
Island Lakes HOA fees
Winter Haven, Polk County · 33881
Homes in Island Lakes (Winter Haven) pay a median $200 a year in HOA dues, about $17 a month, based on 5 listings. Half fall between $200 and $200. None of the listings we reviewed report a CDD.
What the dues cover
Amenities listed: Park.
Live inventory
For sale in Island Lakes right now
2 active listings
Island Lakes cost questions
How much are HOA fees in Island Lakes?
Homes in Island Lakes (Winter Haven) pay a median $200 a year in HOA dues, about $17 a month, based on 5 listings. Half fall between $200 and $200.
Does Island 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 Island Lakes, before the mortgage?
HOA and property tax come to about $400 a month at the medians (property tax median $4,603 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 Island 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 5 addressesin subdivisions matching “ISLAND LAKES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Winter Ridge CondoWinter Haven · HOA $3,018/yr
- Lake Smart PointeWinter Haven · HOA $600/yr
- LakesLake Alfred · HOA $520/yr
- WillowbrookWinter Haven · CDD $1,720/yr
- Willowbrook NorthWinter Haven · HOA $75/yr · CDD $2,616/yr
- Lakes / Lucerne ParkWinter Haven · HOA $592/yr
- Willowbrook SouthWinter Haven · HOA $100/yr · CDD $2,580/yr
- Casa Del Sol CondoWinter Haven · HOA $4,944/yr
- Lakeridge CondoWinter Haven · HOA $7,800/yr
- Winter Haven Harbour Apartments CondoWinter Haven · HOA $4,200/yr
- Lake Mariana AcresLake Alfred · HOA $75/yr
- Spring Lake TowersWinter Haven · HOA $8,004/yr
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