What it really costs to own in Florida.
The Reserve at Hammock Oaks CDD fees
Lady Lake, Polk County · 32159
100% of listings with a known CDD status (3) report one, with a median $2,208 a year collected on the property tax bill.
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For sale in The Reserve at Hammock Oaks right now
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The Reserve at Hammock Oaks cost questions
How much are HOA fees in The Reserve at Hammock Oaks?
Fewer than five listings in The Reserve at Hammock 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 The Reserve at Hammock Oaks have a CDD?
Yes, most homes. 100% of the 3 listings with a known CDD status report one, and 3 gave an amount: a median $2,208 a year (range $2,208 to $2,208). 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 The Reserve at Hammock Oaks, before the mortgage?
CDD comes to about $184 a month at the medians. Not enough listings reported HOA and property tax to include them. 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 The Reserve at Hammock 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 3 addressesin subdivisions matching “THE RESERVE AT HAMMOCK OAKS”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
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