Costs of owning

What it really costs to own in Florida.

Lake of the Woods HOA fees

Fern Park, Seminole County · 32730

Homes in Lake of the Woods (Fern Park) pay a median $3,368 a year in HOA dues, about $281 a month, based on 19 listings. Half fall between $3,180 and $3,368. None of the listings we reviewed report a CDD.

HOA, median
$3,368/yr
About $281 a month
CDD, median
None reported
Property tax, median
$1,566/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$411
HOA + tax at the medians

What the dues cover

  • Pool95% of listings
  • Maintenance Grounds95% of listings
  • Maintenance Structure84% of listings
  • Recreational Facilities68% of listings
  • Management53% of listings
  • Common Area Taxes37% of listings

Amenities listed: Playground, Tennis Court(s), Clubhouse, Pool, Fitness Center, Sauna.

Lake of the Woods cost questions

How much are HOA fees in Lake of the Woods?

Homes in Lake of the Woods (Fern Park) pay a median $3,368 a year in HOA dues, about $281 a month, based on 19 listings. Half fall between $3,180 and $3,368.

Does Lake of the Woods 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 of the Woods, before the mortgage?

HOA and property tax come to about $411 a month at the medians (property tax median $1,566 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 of the Woods 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 19 addressesin subdivisions matching “LAKE OF THE WOODS”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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