What it really costs to own in Florida.
Turtle Creek HOA fees
St Cloud, Osceola County · 34771
Homes in Turtle Creek (St Cloud) pay a median $1,116 a year in HOA dues, about $93 a month, based on 15 listings. Half fall between $1,114 and $4,740. None of the listings we reviewed report a CDD.
HOA by home type
| Single-family homes | $1,114/yr | 9 listings |
| Townhomes and villas | $4,745/yr | 6 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
- Pool73% of listings
- Maintenance Grounds47% of listings
- Maintenance Structure20% of listings
Amenities listed: Playground, Pool, Park.
Live inventory
For sale in Turtle Creek right now
11 active listings
Turtle Creek cost questions
How much are HOA fees in Turtle Creek?
Homes in Turtle Creek (St Cloud) pay a median $1,116 a year in HOA dues, about $93 a month, based on 15 listings. Half fall between $1,114 and $4,740.
Does Turtle Creek 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 Turtle Creek, before the mortgage?
HOA and property tax come to about $476 a month at the medians (property tax median $4,600 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 Turtle Creek 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 15 addressesin subdivisions matching “TURTLE CREEK”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Preserve at Turtle CreekSt Cloud · HOA $956/yr
- Lakeside at SatillaSt Cloud · HOA $1,320/yr · CDD $2,376/yr
- Ashton ParkSt Cloud · HOA $300/yr
- Oaktree Pointe VillasSt Cloud · HOA $1,500/yr
- Center Lake on the ParkSt Cloud · HOA $768/yr · CDD $1,660/yr
- Lancaster Park EastSt Cloud · HOA $1,040/yr
- The Landing'S at Live OakSt Cloud · HOA $1,380/yr
- Gardens at Lancaster ParkSt Cloud · HOA $1,280/yr
- The Waters at Center Lake RanchSt Cloud · HOA $1,007/yr · CDD $2,597/yr
- Sola VistaSt Cloud · HOA $1,524/yr
- Live Oak LakeSt Cloud · HOA $1,284/yr
- Esplanade at Center Lake RanchSt Cloud · HOA $4,916/yr · CDD $2,597/yr
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