What it really costs to own in Florida.
Reserve HOA fees
Lakeland, Polk County · 33809
Homes in Reserve (Lakeland) pay a median $1,300 a year in HOA dues, about $108 a month, based on 7 listings. Half fall between $1,300 and $1,300. None of the listings we reviewed report a CDD.
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For sale in Reserve right now
49 active listings
Reserve cost questions
How much are HOA fees in Reserve?
Homes in Reserve (Lakeland) pay a median $1,300 a year in HOA dues, about $108 a month, based on 7 listings. Half fall between $1,300 and $1,300.
Does Reserve 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 Reserve, before the mortgage?
HOA and property tax come to about $160 a month at the medians (property tax median $619 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 Reserve 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 7 addressesin subdivisions matching “RESERVE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Hunters RunLakeland · HOA $360/yr
- Villages / BridgewaterLakeland · HOA $1,704/yr · CDD $1,259/yr
- Villages at BridgewaterLakeland · HOA $1,704/yr · CDD $1,279/yr
- Hunters CrossingLakeland · HOA $518/yr
- Villages / BridgewatervillageLakeland · HOA $1,704/yr · CDD $1,542/yr
- Martin EstatesLakeland · HOA $552/yr
- Sandpiper Golf and Country ClubLakeland · HOA $1,800/yr · CDD $1,800/yr
- Wilder TraceLakeland · HOA $195/yr
- Fulton MeadowsLakeland · HOA $1,080/yr
- Cobblestone Landing Townhomes CondoLakeland · HOA $4,044/yr
- MillstoneLakeland · HOA $780/yr
- Woods Ranching and Farming TractsLakeland · HOA $225/yr
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