Costs of owning

What it really costs to own in Florida.

Southern Dunes Estates HOA fees

Haines City, Polk County · 33844

Homes in Southern Dunes Estates (Haines City) pay a median $1,098 a year in HOA dues, about $92 a month, based on 12 listings. Half fall between $1,098 and $1,098. None of the listings we reviewed report a CDD.

HOA, median
$1,098/yr
About $92 a month
CDD, median
None reported
Property tax, median
$6,315/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$618
HOA + tax at the medians

What the dues cover

  • Guard - 24 Hour75% of listings
  • Pool75% of listings
  • Recreational Facilities33% of listings
  • Common Area Taxes33% of listings
  • Maintenance Grounds25% of listings
  • Escrow Reserves Fund25% of listings

Amenities listed: Clubhouse, Gated, Playground, Pool, Tennis Court(s), Fitness Center.

Southern Dunes Estates cost questions

How much are HOA fees in Southern Dunes Estates?

Homes in Southern Dunes Estates (Haines City) pay a median $1,098 a year in HOA dues, about $92 a month, based on 12 listings. Half fall between $1,098 and $1,098.

Does Southern Dunes Estates 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 Southern Dunes Estates, before the mortgage?

HOA and property tax come to about $618 a month at the medians (property tax median $6,315 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 Southern Dunes Estates 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 12 addressesin subdivisions matching “SOUTHERN DUNES ESTATES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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