Know the cost beyond the front door.
A practical breakdown of HOA dues, CDD assessments, taxes, insurance, and the costs of getting from a base price to closing.
HOA dues: the documented figures
The builder’s January 13, 2026 sheet for phases 3–6 lists monthly HOA assessments of $414 for Scenic, $423 for Distinctive, and $436 for Echelon. These are document-dated figures, reviewed September 7, 2026, and must be reconfirmed for your lot and closing date.
The sheet describes landscaping and irrigation maintenance, 1 Gig high-speed internet and 75 streaming channels as included services. The addendum makes owners responsible for irrigation water usage. Ask for the current landscape scope, telecom agreement, exclusions, service-start timing and replacement responsibilities.
The separate food-and-beverage minimum
The same sheet lists a $780 annual food-and-beverage minimum, collected with the January assessment and credited toward food, drinks and alcohol at the Bar & Grille after clubhouse completion. That is $65 a month for budgeting, not a monthly billing schedule. The amenity center is now open; verify the current collection, proration, credit-expiration and rollover rules before relying on an estimate.
Source: builder Community Disclosure Addendum in a September 7, 2026 purchase packet, pp. 53–56; community fee sheet dated January 13, 2026, p. 70. Document scope and verification →
CDD: confirm the parcel, not just the collection
Del Webb Minneola is within the Hills of Minneola Community Development District. CDD assessments and HOA dues are separate obligations. CDD charges can include infrastructure debt and annual operations and maintenance, generally collected through the property-tax bill. View official source ↗
The supplied packet’s CDD reference sheet and transaction worksheet show different figures. We therefore do not publish either as a current universal charge. Request the lot’s assessment area, current debt schedule, operations charge and any pending assessments from the district. The official documents page now includes fiscal-year 2026 and 2027 budgets. View official source ↗
Property taxes: start fresh for your purchase
Lake County’s official estimator covers ad valorem taxes only. It warns that past taxes are not a dependable forecast and excludes non-ad valorem assessments and portability benefits. A seller’s existing bill or a vacant-lot tax amount should not become your finished-home budget. View official source ↗
Confirm the parcel’s jurisdiction and your own eligibility for homestead or other exemptions. Include CDD and other non-ad valorem charges once—avoid adding them again if your lender’s escrow estimate already includes them.
Insurance: quote the actual home
Get an address-specific homeowners quote and discuss flood coverage separately. Review hurricane and other deductibles, replacement-cost limits, screened-enclosure coverage and exclusions. Neither a new home nor an elevated location guarantees a particular premium or removes flood risk. View official source ↗ View official source ↗
Your total purchase budget
Ask for the base price, homesite premium, structural options, design selections, deposits, closing charges, prepaid expenses and builder credits on one itemized sheet. Also request any association initial contribution, prepaid club charge, transfer or estoppel fee. Those charges may change before closing.
If financing, compare the lender’s Loan Estimate and final Closing Disclosure. A credit may have lender, title-provider, home-selection or closing-date conditions. No current incentive is included in our home-match calculations. View official source ↗
A worksheet that avoids double counting
- Mortgage principal and interest, if any.
- Property taxes plus CDD and other assessments, accounting for escrow.
- Homeowners and any flood insurance, accounting for escrow.
- HOA dues and the annual food-and-beverage minimum.
- Electricity, gas, water, sewer, irrigation use and optional service upgrades.
- Home repairs, replacement reserves, pest care and personal lifestyle spending.
Leave an unknown amount blank and request a quote. A blank is more useful than false precision. Bring your documents to a buyer consultation for help organizing the comparison.
Let’s talk about your move.
Talk through your home search with Trenton Miller, LPT Realty.