Costs of owning

What it really costs to own in Florida.

Southern Oaks CDD fees

The Villages, Sumter County · 32163, 34762

100% of listings with a known CDD status (5) report one, with a median $839 a year collected on the property tax bill.

CDD, median
$839/yr
100% of 5 listings have one
Property tax, median
$6,860/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$642
CDD + tax at the medians; HOA unknown

Southern Oaks cost questions

How much are HOA fees in Southern Oaks?

Fewer than five listings in Southern Oaks reported an HOA fee, so we don't publish a median. Ask the listing agent for the current association budget on any home you're considering.

Does Southern Oaks have a CDD?

Yes, most homes. 100% of the 5 listings with a known CDD status report one, and 5 gave an amount: a median $839 a year (range $709 to $2,448). 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.

What does it cost each month to own in Southern Oaks, before the mortgage?

CDD and property tax come to about $642 a month at the medians (property tax median $6,860 a year). Not enough listings reported HOA 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.

Where do these numbers come from?

Stellar MLS via Repliers listings in Southern 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.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 5 addressesin subdivisions matching “SOUTHERN OAKS”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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