Costs of owning

What it really costs to own in Florida.

Winterset HOA fees

Winter Haven, Polk County · 33884

Homes in Winterset (Winter Haven) pay a median $5,334 a year in condo association dues, about $445 a month, based on 10 listings. Half fall between $4,956 and $5,760. None of the listings we reviewed report a CDD.

HOA, median
$5,334/yr
About $445 a month
CDD, median
None reported
Property tax, median
$1,900/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$603
HOA + tax at the medians

What the dues cover

  • Pool80% of listings
  • Maintenance Grounds80% of listings
  • Maintenance Structure60% of listings
  • Recreational Facilities30% of listings
  • Security30% of listings
  • Maintenance30% of listings

Amenities listed: Clubhouse, Gated, Pool, Tennis Court(s), Pickleball Court(s), Shuffleboard Court.

40% 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 Winterset right now

14 active listings

1905 Garden Lake Dr
Active
Condo for sale
$175,000
2 bed2 bath1,103 sqft635 sqft lot
1905 Garden Lake Dr
Winter Haven, FL, 33884
Brokered by BROKERS REALTY OF CENTRAL FLOR
9 Winterset Dr
Active
House for sale
$430,000
4 bed2 bath2,489 sqft0.48 acre lot
9 Winterset Dr
Winter Haven, FL, 33884
Brokered by LPT REALTY, LLC
809 Magnolia Pl
Active
Condo for sale
$235,000
2 bed2 bath1,308 sqft0.02 acre lot
809 Magnolia Pl
Winter Haven, FL, 33884
Brokered by LPT REALTY, LLC
1711 Garden Lake Dr #1711
Active
Condo for sale
$170,000
1 bed1 bath828 sqft
1711 Garden Lake Dr #1711
Winter Haven, FL, 33884
Brokered by JOHN WOOD REALTY, INC.
2241 Winterset Rd
Active
House for sale
$649,900
3 bed4 bath3,020 sqft1.06 acre lot
2241 Winterset Rd
Winter Haven, FL, 33884
Brokered by KLINE REAL ESTATE SERVICES
701 Magnolia Pl
Active
Condo for sale
$239,900
3 bed2 bath1,180 sqft
701 Magnolia Pl
Winter Haven, FL, 33884
Brokered by THE STONES REAL ESTATE FIRM
410 Laurel Cove Way
ActivePrice reduced
Condo for sale
$209,000
$6k
2 bed2 bath1,090 sqft0.02 acre lot
410 Laurel Cove Way
Winter Haven, FL, 33884
Brokered by LPT REALTY, LLC
503 Sweet Bay Cir
ActivePrice reduced
Condo for sale
$224,500
$5k
2 bed2 bath1,090 sqft0.02 acre lot
503 Sweet Bay Cir
Winter Haven, FL, 33884
Brokered by THE STONES REAL ESTATE FIRM
See all 14 Winterset homes

Winterset cost questions

How much are HOA fees in Winterset?

Homes in Winterset (Winter Haven) pay a median $5,334 a year in condo association dues, about $445 a month, based on 10 listings. Half fall between $4,956 and $5,760.

Does Winterset 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 Winterset, before the mortgage?

HOA and property tax come to about $603 a month at the medians (property tax median $1,900 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 Winterset 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 10 addressesin subdivisions matching “WINTERSET”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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