CDD Fees & HOAs in Tampa Bay: Decode the Fine Print Before You Buy 📑

Florida master-planned communities shine—but fees vary. Here’s how to avoid surprises.

HOA vs. CDD: What’s the Difference?

• HOA (Homeowners Association): Ongoing operations—amenities, landscaping, architectural approval.

• CDD (Community Development District): Infrastructure financing—roads, utilities, amenities—paid via property tax bill (bond + operations).

Where You’ll See CDDs

Newer/planned communities (Riverview, Wesley Chapel, Lithia, parts of South Tampa infill). Amounts differ by lot, phase, and builder.

Smart Buyer Checklist

• Ask for HOA budget, reserves, rules, and special assessment history.

• Get the exact CDD line item from a recent tax bill (don’t guess).

• Note what’s included (internet, lawn, cable, security).

• Understand lease restrictions if you might rent in the future.

Long-Term Impact

CDD bonds amortize; ops continue. HOA fees adjust annually. Both affect cash flow and resale. Price your offer accordingly.

Want fee-clear homes only? I’ll surface properties with no CDD or low fees—and show you true monthly totals.