Reserves at Hammock Oaks HOA and CDD fees

Homes in Reserves at Hammock Oaks (Lady Lake) pay a median $1,616 a year in HOA dues, about $135 a month, based on 15 listings. Half fall between $1,608 and $1,620.

Yes, most homes. 100% of the 14 listings with a known CDD status report one, and 14 gave an amount: a median $2,945 a year (range $1,550 to $3,031). Listings are a sample, not the district's records, so check the tax bill for the exact home. The CDD is billed on the property tax bill, not by the HOA. Part of it usually pays down bonds that end on a set date, while the operations part continues.

HOA and CDD come to about $380 a month at the medians. Not enough listings reported property tax to include it. 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.

Stellar MLS via Repliers listings in Reserves at Hammock Oaks 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.