Moving to Florida? What you need to know about CDD fees

February 19, 2020


Many people to who move to the Sunshine State are taken aback when they are introduced to CDD (Community Development District) Fees. What are they and how are they different than HOA fees?


First, it’s helpful to know why CDDs exist. These fees were created and are used primarily in Florida to shift the burden of planning, building and maintaining roads, utility lines, water/sewer systems, conservation areas, and other conveniences in new communities away from local governments.


The many costs of installing infrastructure are financed by the community’s developer through tax-free municipal bonds that are issued when the community is built. These bonds also pay for amenities like clubhouses, swimming pools, tennis courts, golf courses, yoga lawns, dog parks, you name it!


Then the cost of the bond is passed onto homeowners who purchase a home in one of these communities. They pay the costs over a span of time—generally 15 to 30 years—through property taxes each year. If you have a mortgage, it’s amortized into your payment.


I know what you might be thinking: “But wait, that sounds a little like an HOA!” Believe it or not, there are differences between CDD fees and HOA fees.


CDD fees: These pay for infrastructure projects from roads to community swimming pools. They are typically found in newer communities that have desirable amenities.


HOA fees: These cover the cost of maintaining common areas and assets, insurance, security services and covenant/restriction oversight.

Note! Before you decide to reject any CDD community to avoid the fees, it is important to note that non-CDD communities often have higher HOA fees.


When it comes to specific communities, fees for CDDs and HOAs vary widely. If you have questions about fees within any local communities, feel free to give me a call at 904.501.1830 or


Many older and some new communities have no CDD fees and instead only require a monthly HOA fee from homeowners.


Some other newer communities, particularly those with extensive amenities, charge both CDD and HOA fees to residents. For example, Beachwalk on County Road 210 has a large clubhouse, 14-acre manmade lagoon and plenty of other features available to residents. Because the new community offers all these amenities, it charges an HOA fee (almost $300 per month) as well as a CDD fee (averages out to just over $300 per month, which again is paid for through yearly taxes).


I would love to answer any questions you have about CDD or HOA fees! Contact me at 904.501.1830 or


About Mirtha Barzaga
For more than a decade, Mirtha Barzaga has consistently stood as a fixture in Northeast Florida real estate. She is recognized as a top contributing agent for Davidson Realty, Inc., specializing in homes throughout Jacksonville, St. Augustine and World Golf Village. She has earned recognition as Davidson’s Top Sales Agent of the Year, Top Producing Agent of the Year, and Top Listing Agent of the Year. Mirtha is a trusted guide for clients throughout the buying and selling process, boasting designations as a Certified Negotiation Expert, Certified Distressed Property Expert and Nocatee Certified Agent. As a bilingual Realtor, Mirtha is pleased to assist Davidson’s Spanish-speaking clients. Learn more about Mirtha and see her listings by visiting her agent page or check out Mirtha’s website

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