Florida HOA and CDD fees

The monthly cost may be hiding in more than one place.

A Florida home search can include taxes, HOA dues, CDD assessments, special district lines, insurance, and repairs. Read the fee stack before you read the dream.

First pass

Find every place the fee can live.

HOA

Read the covenants before you fall in love with the house

Florida homeowners associations live under Chapter 720, but the daily answer is usually in the declaration, bylaws, rules, budget, and notices for that community.

Florida Statutes Chapter 720

CDD

Ask whether a CDD is on the tax bill

Community Development Districts are a kind of Florida special district. Their charges may show up as non-ad valorem assessments, not just as a separate monthly bill.

Florida Statutes Chapter 190

Tax bill

Separate taxes from assessments

Florida property bills can include ad valorem taxes and non-ad valorem assessments. CDD, fire, solid waste, stormwater, or other district lines may sit beside the tax math.

Florida Revenue property tax detail

Official list

Learn what a special district is before you guess

Florida has a separate chapter for special district accountability. If a district name appears on a tax bill or closing sheet, ask the county or district office what it funds.

Florida Statutes Chapter 189

Easy trap

Low taxes do not mean low total housing cost.

HOA dues, CDD debt, maintenance fees, and non-ad valorem assessments can change the real monthly picture.

Easy trap

CDD is not the same thing as HOA.

A neighborhood can have one, both, or neither. Read the tax bill and the community documents instead of guessing from the front gate.

Easy trap

A closing sheet may not explain the future.

Ask about future assessments, bond payoff options, budgets, reserves, and rule changes before you treat one closing number as the whole story.

Neighbor answer

Before you compare homes, compare the whole fee stack.

Ask for the tax bill, non-ad valorem lines, HOA budget, dues schedule, CDD or special district name, estoppel or payoff numbers, and any pending assessment talk. If a fee looks legal, long-term, or confusing, let the closing agent, county tax collector, association manager, district office, or a Florida real-estate lawyer explain it before you close.

Read special district law Property tax tool

Official checks

Sources used for this page

Last checked June 29, 2026. Use Florida Statutes, DBPR, Florida Revenue, the county tax collector, association records, closing documents, and qualified Florida professionals before you rely on an HOA, CDD, or assessment answer.

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