What it really costs to own in Florida.
Shipwatch HOA fees
Largo, Pinellas County · 33774
Homes in Shipwatch (Largo) pay a median $11,976 a year in condo association dues, about $998 a month, based on 10 listings. Half fall between $10,744 and $12,060. None of the listings we reviewed report a CDD.
What the dues cover
- Pool100% of listings
- Maintenance Structure100% of listings
- Maintenance Grounds100% of listings
- Sewer100% of listings
- Trash100% of listings
- Cable TV90% of listings
Amenities listed: Tennis Court(s), Fitness Center, Clubhouse, Pickleball Court(s), Pool, Spa/Hot Tub.
30% of listings report a second association (often a master HOA). The figures above don't include that second fee, so the total can be higher.
Live inventory
For sale in Shipwatch right now
4 active listings
Shipwatch cost questions
How much are HOA fees in Shipwatch?
Homes in Shipwatch (Largo) pay a median $11,976 a year in condo association dues, about $998 a month, based on 10 listings. Half fall between $10,744 and $12,060.
Does Shipwatch 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 Shipwatch, before the mortgage?
HOA and property tax come to about $1,459 a month at the medians (property tax median $5,536 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 Shipwatch 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 11 addressesin subdivisions matching “SHIPWATCH”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Harbourside at MarkerIndian Rocks Beach · HOA $19,920/yr
- Curlew Landings SouthIndian Rocks Beach · HOA $10,776/yr
- Windrush CoveIndian Rocks Beach · HOA $10,964/yr
- Caribbean CoveLargo · HOA $9,060/yr
- Lakeview of LargoLargo · HOA $7,635/yr
- New Atlantis Club CondoLargo · HOA $8,856/yr
- Waters EdgeLargo · HOA $7,500/yr
- Sand Castle CondoIndian Shores · HOA $12,396/yr
- Imperial Point CondoLargo · HOA $9,036/yr
- Imperial PointSeminole · HOA $1,065/yr
- Tara Cay Sound NorthSeminole · HOA $5,004/yr
- Tara Cay Sound SouthSeminole · HOA $5,040/yr
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