What it really costs to own in Florida.
Live Oak Lake HOA fees
St Cloud, Osceola County · 34771
Homes in Live Oak Lake (St Cloud) pay a median $1,284 a year in HOA dues, about $107 a month, based on 9 listings. Half fall between $1,188 and $1,284. None of the listings we reviewed report a CDD.
What the dues cover
- Pool44% of listings
- Recreational Facilities33% of listings
- Maintenance Grounds22% of listings
Amenities listed: Clubhouse, Fitness Center, Pool, Playground.
Live inventory
For sale in Live Oak Lake right now
4 active listings
Live Oak Lake cost questions
How much are HOA fees in Live Oak Lake?
Homes in Live Oak Lake (St Cloud) pay a median $1,284 a year in HOA dues, about $107 a month, based on 9 listings. Half fall between $1,188 and $1,284.
Does Live Oak Lake 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 Live Oak Lake, before the mortgage?
HOA and property tax come to about $618 a month at the medians (property tax median $6,132 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 Live Oak Lake 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 9 addressesin subdivisions matching “LIVE OAK LAKE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- The Landing'S at Live OakSt Cloud · HOA $1,380/yr
- Sola VistaSt Cloud · HOA $1,524/yr
- Ashton ParkSt Cloud · HOA $300/yr
- Northwest Lakeside GrovesSt Cloud · HOA $5,424/yr · CDD $1,353/yr
- Lakeside at SatillaSt Cloud · HOA $1,320/yr · CDD $2,376/yr
- Lancaster Park EastSt Cloud · HOA $1,040/yr
- Twin LakesSt Cloud · HOA $3,720/yr · CDD $1,565/yr
- Gardens at Lancaster ParkSt Cloud · HOA $1,280/yr
- Preserve at Turtle CreekSt Cloud · HOA $956/yr
- Oaktree Pointe VillasSt Cloud · HOA $1,500/yr
- Del Webb Twin LakesSt Cloud · HOA $4,224/yr · CDD $1,354/yr
- Turtle CreekSt Cloud · HOA $1,116/yr
Get a real value review from our team.
We'll pull the recent sales in your community and tell you what your home would sell for today. No obligation.