What it really costs to own in Florida.
The Reserve at Hammock Oaks HOA and CDD fees
Lady Lake, Lake County · 32159
Homes in The Reserve at Hammock Oaks (Lady Lake) pay a median $1,616 a year in HOA dues, about $135 a month, based on 24 listings. Half fall between $1,616 and $1,616. 100% of listings with a known CDD status (24) report one, with a median $2,769 a year collected on the property tax bill.
HOA by home type
| Single-family homes | $1,616/yr | 21 listings |
| Townhomes and villas | $1,120/yr | 3 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
Amenities listed: Playground, Pickleball Court(s), Pool, Clubhouse, Tennis Court(s), Park.
Live inventory
For sale in The Reserve at Hammock Oaks right now
14 active listings
The Reserve at Hammock Oaks cost questions
How much are HOA fees in The Reserve at Hammock Oaks?
Homes in The Reserve at Hammock Oaks (Lady Lake) pay a median $1,616 a year in HOA dues, about $135 a month, based on 24 listings. Half fall between $1,616 and $1,616.
Does The Reserve at Hammock Oaks have a CDD?
Yes, most homes. 100% of the 24 listings with a known CDD status report one, and 24 gave an amount: a median $2,769 a year (range $2,208 to $3,012). 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?
HOA and CDD come to about $365 a month at the medians. Not enough listings reported property tax 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 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 24 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 Listing data is reported by listing agents and can be out of date.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.
Compare nearby communities
- Reserves at Hammock OaksLady Lake · HOA $1,616/yr · CDD $2,945/yr
- Kh Cw Hammock Oaks LlcLady Lake · HOA $5,220/yr · CDD $2,300/yr
- Hammock OaksLady Lake · HOA $1,764/yr · CDD $2,990/yr
- Hammock Oaks VillasLady Lake · CDD $2,700/yr
- Green Key VillageLady Lake · HOA $1,980/yr
- The VillagesThe Villages · HOA $1,324/yr · CDD $1,389/yr
- Orange Blossom GardensLady Lake · HOA $2,400/yr · CDD $2,394/yr
- Villages / Fruitland ParkThe Villages · CDD $2,031/yr
- Saddle HillFruitland Park · HOA $1,500/yr
- Lady Lake Orange Blossom GardensLady Lake · HOA $2,424/yr · CDD $1,538/yr
- Mirror Lake VillageFruitland Park · HOA $828/yr
- Boulevard OaksLady Lake · HOA $2,064/yr
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