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Waterford Estates HOA and CDD fees
Punta Gorda, Charlotte County · 33950
Homes in Waterford Estates (Punta Gorda) pay a median $1,476 a year in HOA dues, about $123 a month, based on 21 listings. Half fall between $989 and $1,509. 81% of listings with a known CDD status (21) report one, with a median $1,200 a year collected on the property tax bill.
HOA by home type
| Single-family homes | $1,476/yr | 13 listings |
| Townhomes and villas | $1,332/yr | 7 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
- Pool86% of listings
- Maintenance Grounds76% of listings
- Recreational Facilities57% of listings
- Management48% of listings
- Private Road48% of listings
- Common Area Taxes43% of listings
Amenities listed: Fitness Center, Pickleball Court(s), Pool, Clubhouse, Gated, Recreation Facilities.
90% of listings report a second association (often a master HOA). The figures above don't include that second fee, so the total can be higher.
Live inventory
For sale in Waterford Estates right now
8 active listings
Waterford Estates cost questions
How much are HOA fees in Waterford Estates?
Homes in Waterford Estates (Punta Gorda) pay a median $1,476 a year in HOA dues, about $123 a month, based on 21 listings. Half fall between $989 and $1,509.
Does Waterford Estates have a CDD?
Yes, most homes. 81% of the 21 listings with a known CDD status report one, and 17 gave an amount: a median $1,200 a year (range $1,029 to $1,345). 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 Waterford Estates, before the mortgage?
HOA, CDD and property tax come to about $638 a month at the medians (property tax median $4,974 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 Waterford Estates 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 21 addressesin subdivisions matching “WATERFORD ESTATES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Punta Gorda IslesPunta Gorda · HOA $210/yr
- Emerald PointePunta Gorda · HOA $9,480/yr
- Fountain CourtPunta Gorda · HOA $8,520/yr
- Harbor WalkPunta Gorda · HOA $10,800/yr
- Banyan PointPunta Gorda · HOA $10,140/yr
- Rio Villa LakesPunta Gorda · HOA $3,260/yr
- Windmill VillagePunta Gorda · HOA $3,132/yr
- Sea CovePunta Gorda · HOA $2,276/yr · CDD $2,169/yr
- River Forest MhpPunta Gorda · HOA $3,000/yr
- SeahavenPunta Gorda · HOA $10,084/yr
- SeagrassPunta Gorda · HOA $1,830/yr · CDD $3,099/yr
- River Haven Mob Hme ParkPunta Gorda · HOA $3,000/yr
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