Community Development District Fee Calculator
A CDD assessment shows up on the tax bill, not in the listing price.
What This Calculator Does
Spreads the annual CDD assessment as billed — bond and maintenance together — across twelve months, then adds it to a proposed monthly housing payment to estimate the combined payment and the share of it the district assessment represents.
Who Is This For
Buyers considering newer planned communities, owners comparing two similar homes where only one carries a district assessment, and anyone surprised by a lender's estimate that includes this charge.
How It Works
Enter the annual CDD assessment from the property's tax record, then add the proposed monthly housing payment excluding CDD — principal, interest, taxes, insurance and any HOA dues — to estimate the combined monthly payment and what share of it the assessment represents.
Frequently Asked Questions
What is a Community Development District?
A Community Development District is a special-purpose local government created to finance and maintain infrastructure for a community, funded by bonds that are repaid through assessments on property owners within the district.
How is a CDD different from an HOA?
An HOA is a private association that bills dues directly and enforces community rules, while a CDD is a unit of local government whose assessment is collected through the property tax bill; a community can have both.
Does a CDD assessment ever end?
The bond-repayment portion ends once the underlying bonds are paid off, while the operations-and-maintenance portion continues for as long as there is infrastructure to maintain; ask the district for the remaining bond term.
How can a buyer confirm whether a property has a CDD?
The county tax bill shows a CDD as a separate line, and sellers are generally required to disclose district assessments; review the actual tax bill rather than relying on the listing description.