Master HOA + neighborhood HOA + CDD (multiple districts) + optional golf club + Collier County taxes + insurance. Fiddler's Creek has the most layers of any Naples community. Here is the complete picture.
Property Tax: Collier County effective rate ~0.75%. Unincorporated — no City of Naples mills.
Fiddler's Creek fee structure: Master HOA (~$200–$350/mo) + neighborhood sub-HOA (~$150–$500/mo) + CDD ($125–$415/mo) + optional golf club dues ($500–$1,000/mo) + optional club initiation ($15K–$40K). Non-club buyers pay the first three layers only.
CDD: CRITICAL: Fiddler's Creek spans multiple CDD districts. Annual CDD can range from $1,500 to over $5,000/year depending on the specific parcel and district. Pull the actual Collier County tax bill for any address — the CDD line(s) may represent more than one district.
| Component | Monthly Est. |
|---|---|
| HOA | $350–$600 (master+village) |
| CDD | $125–$250 |
| Property taxes | $340–$390 |
| Insurance | $340–$580 |
| All-in range | $1,155–$1,820/mo |
| Component | Monthly Est. |
|---|---|
| HOA | $350–$600 |
| CDD | $150–$350 |
| Property taxes | $475–$540 |
| Insurance | $400–$680 |
| All-in range | $1,375–$2,170/mo |
| Component | Monthly Est. |
|---|---|
| HOA | $350–$600 |
| CDD | $200–$415 |
| Property taxes | $610–$695 |
| Insurance | $480–$820 |
| All-in range | $2,140+–$3,030+/mo |
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