Community Development District (CDD) assessments are one of the most common financial surprises in Florida 55+ real estate. They appear on the county tax bill — not the HOA statement — and typically add $1,000–$3,000+/yr to the annual carrying cost of a home. For buyers who've been burned by unexpected tax bills or who simply want the cleanest possible fee structure, finding communities with no CDD is a real research priority.
This guide covers the established Central Florida 55+ communities in the Tampa / Central Florida corridor that have no community-wide CDD assessment.
Important caveat: CDD status can be complex. Some communities have a CDD on community infrastructure but no remaining bond balance — meaning the CDD still appears on the tax bill but at a maintenance-only rate of $200–$400/yr rather than a full bond repayment of $1,500–$2,500/yr. Always verify the specific parcel's current CDD status and amount with the county tax records, not community marketing materials.
No-CDD 55+ Communities in the Central Florida / Tampa Corridor
Sun City Center has no community-wide CDD. The three-part fee structure (neighborhood HOA + SCCCA master + per-person amenity fee) is the complete community financial obligation. No additional assessment appears on the Hillsborough County tax bill for the master community infrastructure. Individual neighborhoods within SCC may have their own sub-assessments — verify for specific parcels — but the community does not have a community-wide bond CDD.
This is one of the reasons SCC's all-in monthly cost compares favorably to newer communities with CDDs at comparable HOA rates.
Kings Point, located within the broader SCC area, also operates without a community-wide CDD. The master HOA covers community infrastructure. Individual sub-associations may have their own assessments — the 100+ condo sub-associations each have their own fee structures — but there is no CDD bond on the Hillsborough County tax bill for the master community.
Trilogy at Ocala Preserve has no CDD anywhere in the community — confirmed, no exceptions. The $499/mo all-inclusive HOA is the complete community financial obligation. Nothing additional appears on the Marion County tax bill for community infrastructure. This is one of Trilogy's most marketable structural advantages over competing communities in the Ocala corridor.
On Top of the World's main sections operate without a community-wide CDD. Note that OTOW's newer phases (Candler Hills, Stone Creek) may have section-specific assessments — verify for any specific parcel. The original OTOW Central section has no CDD, though it does carry the leasehold ownership structure that requires separate evaluation. Stone Creek Del Webb, adjacent to OTOW, has a CDD in some sections.
Communities That DO Have CDDs — For Comparison
The following communities in this guide's coverage area have CDDs that buyers should verify before making offers: Solivita (~$112/mo on tax bill), Latitude Margaritaville Daytona (~$100–$167/mo), Del Webb Bexley (varies by section, some parcels $0), and most new-construction communities built after 2000 in Pasco, Polk, and Osceola Counties.
Having a CDD is not automatically disqualifying — it depends on the amount, what it funds, and whether it's still in active repayment or maintenance-only. But it must be in your budget calculation.