Costs of owning

What it really costs to own in Florida.

Royal Harbor HOA fees

Tavares, Lake County · 32778

Homes in Royal Harbor (Tavares) pay a median $2,736 a year in HOA dues, about $228 a month, based on 28 listings. Half fall between $2,736 and $2,784. None of the listings we reviewed report a CDD.

HOA, median
$2,736/yr
About $228 a month
CDD, median
None reported
Property tax, median
$2,911/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$471
HOA + tax at the medians

What the dues cover

  • Pool86% of listings
  • Cable TV79% of listings
  • Escrow Reserves Fund79% of listings
  • Common Area Taxes75% of listings
  • Recreational Facilities75% of listings
  • Management71% of listings

Amenities listed: Fitness Center, Clubhouse, Gated, Tennis Court(s), Spa/Hot Tub, Pool.

Live inventory

For sale in Royal Harbor right now

28 active listings

2852 Cape Horn CT
ActiveNew
House for sale
$329,000
2 bed3 bath2,163 sqft0.30 acre lot
2852 Cape Horn CT
Tavares, FL, 32778
Brokered by HARRISON REAL PROPERTY GROUP
5604 Gulf Stream St
ActiveNew
House for sale
$295,000
3 bed2 bath1,535 sqft0.15 acre lot
5604 Gulf Stream St
Tavares, FL, 32778
Brokered by LPT REALTY, LLC
3300 Saratoga Dr
Active
House for sale
$357,950
2 bed2 bath1,387 sqft0.15 acre lot
3300 Saratoga Dr
Tavares, FL, 32778
Brokered by LPT REALTY, LLC
5171 Indian Ocean Loop
Active
House for sale
$299,900
2 bed2 bath1,658 sqft0.15 acre lot
5171 Indian Ocean Loop
Tavares, FL, 32778
Brokered by BHHS FLORIDA REALTY
5596 Freeport Dr
Active
House for sale
$280,000
3 bed2 bath1,655 sqft0.21 acre lot
5596 Freeport Dr
Tavares, FL, 32778
Brokered by LPT REALTY, LLC
4925 Portsmouth St
ActivePrice reduced
House for sale
$285,000
$15k
3 bed2 bath1,469 sqft0.14 acre lot
4925 Portsmouth St
Tavares, FL, 32778
Brokered by EXP REALTY LLC
5693 Gulf Stream Street
Active
House for sale
$349,900
3 bed2 bath1,830 sqft0.17 acre lot
5693 Gulf Stream Street
Tavares, FL, 32778
Brokered by CENTURY 21 CARIOTI
5370 Indian Ocean Loop
ActivePrice reduced
House for sale
$310,000
$40k
3 bed2 bath1,719 sqft0.15 acre lot
5370 Indian Ocean Loop
Tavares, FL, 32778
Brokered by HARRISON REAL PROPERTY GROUP
See all 28 Royal Harbor homes

Royal Harbor cost questions

How much are HOA fees in Royal Harbor?

Homes in Royal Harbor (Tavares) pay a median $2,736 a year in HOA dues, about $228 a month, based on 28 listings. Half fall between $2,736 and $2,784.

Does Royal Harbor 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 Royal Harbor, before the mortgage?

HOA and property tax come to about $471 a month at the medians (property tax median $2,911 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 Royal Harbor 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 28 addressesin subdivisions matching “ROYAL HARBOR”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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