Costs of owning

What it really costs to own in Florida.

Stillwater HOA fees

Oviedo, Seminole County · 32765

Homes in Stillwater (Oviedo) pay a median $282 a year in HOA dues, about $24 a month, based on 6 listings. Half fall between $259 and $305. None of the listings we reviewed report a CDD.

HOA, median
$282/yr
About $24 a month
CDD, median
None reported
Property tax, median
$3,635/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$326
HOA + tax at the medians

What the dues cover

  • Common Area Taxes33% of listings

Live inventory

For sale in Stillwater right now

3 active listings

2931 Jeanette CV
ActiveNew
House for sale
$430,000
3 bed2 bath1,551 sqft0.27 acre lot
2931 Jeanette CV
Oviedo, FL, 32765
Brokered by MUTTER REALTY
823 Carrigan Ave
Active
House for sale
$515,000
4 bed3 bath2,318 sqft0.28 acre lot
823 Carrigan Ave
Oviedo, FL, 32765
Brokered by YOU HAVE REALTY LLC
3152 S Horizon Pl
ActivePrice reduced
House for sale
$414,990
$41k
3 bed2 bath1,500 sqft0.22 acre lot
3152 S Horizon Pl
Oviedo, FL, 32765
Brokered by LA ROSA REALTY LLC
See all 3 Stillwater homes

Stillwater cost questions

How much are HOA fees in Stillwater?

Homes in Stillwater (Oviedo) pay a median $282 a year in HOA dues, about $24 a month, based on 6 listings. Half fall between $259 and $305.

Does Stillwater 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 Stillwater, before the mortgage?

HOA and property tax come to about $326 a month at the medians (property tax median $3,635 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 Stillwater 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 “STILLWATER”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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