Neighborhood Q&A November 2026 4 Min Read

What Is the Difference Between HOA and CDD Fees?

A side-by-side look at how HOA dues and CDD fees work in Wesley Chapel, Land O' Lakes, and Hillsborough County.

Executive Key Takeaways

An HOA fee pays for neighborhood rules, gates, and basic common areas, and is billed monthly or quarterly.
A CDD fee pays for the roads, parks, pools, and lagoons in newer master-planned communities, and is included on your annual county property tax bill.

Side-by-Side Comparison: HOA vs. CDD

In older neighborhoods, you usually only have an HOA fee (or no HOA at all). In newer resort-style communities like Two Rivers, Angeline, Epperson, Mirada, and Connerton, the CDD funds the pools, clubhouses, trails, and lagoons while keeping the separate HOA fee low.

How You Pay It: HOA dues are paid directly to the community management company; CDD fees are part of your yearly county property tax bill.
Loan Approval: Your mortgage lender counts both the monthly HOA fee and 1/12th of the yearly CDD fee when calculating your monthly payment.

Frequently Asked Questions