What it really costs to own in Florida.
Two Rivers HOA and CDD fees
Zephyrhills, Pasco County · 33541, 33539
Homes in Two Rivers (Zephyrhills) pay a median $840 a year in HOA dues, about $70 a month, based on 243 listings. Half fall between $756 and $884. 99% of listings with a known CDD status (244) report one, with a median $3,108 a year collected on the property tax bill.
HOA by home type
| Single-family homes | $840/yr | 236 listings |
| Townhomes and villas | $856/yr | 7 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
Amenities listed: Clubhouse, Pool, Park, Pickleball Court(s).
Live inventory
For sale in Two Rivers right now
102 active listings
Two Rivers cost questions
How much are HOA fees in Two Rivers?
Homes in Two Rivers (Zephyrhills) pay a median $840 a year in HOA dues, about $70 a month, based on 243 listings. Half fall between $756 and $884.
Does Two Rivers have a CDD?
Yes, most homes. 99% of the 244 listings with a known CDD status report one, and 239 gave an amount: a median $3,108 a year (range $1,800 to $4,948). 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 Two Rivers, before the mortgage?
HOA, CDD and property tax come to about $905 a month at the medians (property tax median $6,913 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 Two Rivers 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 251 addressesin subdivisions matching “TWO RIVERS”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Hammock at Two RiversZephyrhills · HOA $400/yr · CDD $3,172/yr
- Riverwood EstatesZephyrhills · HOA $579/yr · CDD $2,691/yr
- 2 RiversZephyrhills · CDD $3,652/yr
- River RunZephyrhills · HOA $1,292/yr
- Townes at Crystal BrookZephyrhills · HOA $3,090/yr
- Zephyr PlaceZephyrhills · HOA $1,232/yr
- CobblestoneZephyrhills · HOA $160/yr · CDD $2,690/yr
- TippecanoeZephyrhills · HOA $960/yr
- AshberryWesley Chapel · HOA $2,298/yr · CDD $804/yr
- Colony Hills CommunityZephyrhills · HOA $720/yr
- Timber Lake EstatesWesley Chapel · HOA $2,604/yr
- River LandingWesley Chapel · HOA $3,152/yr · CDD $2,050/yr
Get a real value review from our team.
We'll pull the recent sales in your community and tell you what your home would sell for today. No obligation.