What it really costs to own in Florida.
Spanish Oaks HOA fees
Palm Harbor, Pinellas County · 34683
Homes in Spanish Oaks (Palm Harbor) pay a median $175 a year in HOA dues, about $15 a month, based on 6 listings. Half fall between $175 and $175. None of the listings we reviewed report a CDD.
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For sale in Spanish Oaks right now
1 active listing
Spanish Oaks cost questions
How much are HOA fees in Spanish Oaks?
Homes in Spanish Oaks (Palm Harbor) pay a median $175 a year in HOA dues, about $15 a month, based on 6 listings. Half fall between $175 and $175.
Does Spanish Oaks 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 Spanish Oaks, before the mortgage?
HOA and property tax come to about $292 a month at the medians (property tax median $3,332 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 Spanish 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 6 addressesin subdivisions matching “SPANISH OAKS”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Pipers MeadowPalm Harbor · HOA $395/yr
- Covered Bridge TownhomesDunedin · HOA $5,568/yr
- Franklin SquarePalm Harbor · HOA $4,500/yr
- Waterford CrossingPalm Harbor · HOA $1,026/yr
- Wedge Wood of Palm HarborPalm Harbor · HOA $3,726/yr
- Doral Ro AssociationClearwater · HOA $2,856/yr
- Laurel Oaks at Country Woods CondoPalm Harbor · HOA $9,876/yr
- Hidden GrovePalm Harbor · HOA $361/yr
- Woodland Villas CondoClearwater · HOA $6,147/yr
- Westwind I and II Resident Owned CommunityDunedin · HOA $1,920/yr
- Fairway EstatesDunedin · HOA $65/yr
- Lake ValenciaPalm Harbor · HOA $350/yr
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