The Reserve at Twin Lakes HOA and CDD fees

Homes in The Reserve at Twin Lakes (St Cloud) pay a median $912 a year in HOA dues, about $76 a month, based on 13 listings. Half fall between $912 and $912.

Yes, most homes. 100% of the 13 listings with a known CDD status report one, and 13 gave an amount: a median $1,381 a year (range $1,381 to $2,800). 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.

HOA and CDD come to about $191 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.

Stellar MLS via Repliers listings in The Reserve at Twin Lakes 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.