Neighborhood Guide November 2026 5 Min Read

CDD Fees vs. HOA Fees in Pasco & Hillsborough

A simple breakdown of how CDD and HOA fees work in Wesley Chapel, Land O' Lakes, and North Tampa communities.

Executive Key Takeaways

CDD fees help build and care for big neighborhood features—like Crystal Lagoons, clubhouses, parks, and trails—in newer communities.
Every CDD fee has two parts: the construction bond (which can be paid off) and yearly upkeep (which stays to maintain the community).
Your CDD fee is paid right inside your annual county property tax bill, which often keeps the separate monthly HOA fee very low.

1. The Two Parts of a CDD Fee

When a developer builds a large neighborhood like Two Rivers, Angeline, Epperson, or Connerton, a community bond pays for the roads, parks, pools, and clubhouses. Part 1 of your CDD fee pays back that bond over 30 years. Part 2 pays for the year-round upkeep of those parks and pools.

2. Can You Pay Off the CDD Bond?

Yes. Homeowners can pay off the bond portion of their CDD fee at closing or anytime later—or even ask the seller or builder for a closing credit toward it—which permanently lowers your annual bill.

Frequently Asked Questions