HOA vs CDD in Florida New Construction: What Buyers Need to Know
Understand the difference between HOA fees and CDD taxes in Florida new construction. How they affect your monthly payment and what to ask before buying.
What is HOA?
Homeowners Association fees are monthly charges ($95-$600/month in Central Florida) that cover community maintenance: landscaping, pool upkeep, security gates, and common area maintenance. HOA fees are set by the community and can increase annually.
What is CDD?
Community Development District taxes are annual assessments ($1,500-$3,000/year typical) that repay infrastructure bonds — roads, utilities, drainage, parks — built by the developer. CDD appears on your property tax bill and is NOT optional. It typically lasts 20-30 years.
Communities WITHOUT CDD
Many Central Florida communities have no CDD, including: Ridgeview (Clermont), Cagan Crossings West, Vintner Reserve, Osprey Ranch, Northlake at Ovation, Westhaven at Ovation, and most Apopka communities. No-CDD communities save you $125-$250/month.
Pro Tip
When comparing homes, add HOA + CDD + property tax together for the true monthly cost. A $500K home with $200/mo HOA and $2,500/yr CDD costs $408 more per month than the same home with just $200/mo HOA. That's nearly $5,000/year.
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