What it really costs to own in Florida.
Lake Lucerne HOA fees
Winter Haven, Polk County · 33881
Homes in Lake Lucerne (Winter Haven) pay a median $1,106 a year in HOA dues, about $92 a month, based on 10 listings. Half fall between $1,100 and $1,116. None of the listings we reviewed report a CDD.
What the dues cover
- Pool20% of listings
Amenities listed: Pool, Playground.
Live inventory
For sale in Lake Lucerne right now
10 active listings
Lake Lucerne cost questions
How much are HOA fees in Lake Lucerne?
Homes in Lake Lucerne (Winter Haven) pay a median $1,106 a year in HOA dues, about $92 a month, based on 10 listings. Half fall between $1,100 and $1,116.
Does Lake Lucerne 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 Lake Lucerne, before the mortgage?
HOA and property tax come to about $500 a month at the medians (property tax median $4,890 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 Lake Lucerne 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 10 addressesin subdivisions matching “LAKE LUCERNE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Royal HillsWinter Haven · HOA $300/yr
- Lucerne Park ReserveWinter Haven · HOA $200/yr · CDD $2,690/yr
- Lake North Golf EstatesWinter Haven · HOA $550/yr
- BrookhavenWinter Haven · HOA $408/yr
- Lakes / Lucerne ParkWinter Haven · HOA $592/yr
- Harbor at Lake HenryWinter Haven · HOA $600/yr
- Sweetwater Golf and Tennis ClubHaines City · HOA $4,644/yr
- Lakeside Ranch For Mobile HomesWinter Haven · HOA $1,716/yr
- Willowbrook NorthWinter Haven · HOA $75/yr · CDD $2,616/yr
- Lakeside LandingsWinter Haven · HOA $174/yr · CDD $1,576/yr
- WillowbrookWinter Haven · CDD $1,720/yr
- LakesLake Alfred · HOA $520/yr
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