The CDD Question
Most Orlando-area 55+ communities (Solivita, Del Webb Sunbridge, Twin Lakes, Celebration) carry CDD assessments of $1,500–$3,500+ per year. Most Lakeland communities (Sandpiper, Highland Fairways, Silver Lakes, Lake Henry Estates) have zero CDD. This single factor creates a $1,500–$3,500 annual cost gap before you compare home prices, HOA fees, or insurance.
Side-by-Side
| Factor | Lakeland (Sandpiper $275K) | Orlando (Solivita $350K) |
|---|---|---|
| HOA | $1,980/yr (golf included) | ~$3,600/yr |
| CDD | $0 | ~$2,500/yr |
| Property Tax | $2,850 | $3,800 |
| Insurance | $3,100 | $3,500 |
| Annual Carry | $7,930 | $13,400 |
| Difference | Lakeland saves $5,470/year | |
What Orlando Offers
- Solivita: 7,000 homes, 4,300 acres, 150,000+ sq ft of amenities, two golf courses, three restaurants, 250+ clubs
- Proximity to Orlando International Airport, Disney, Universal, world-class dining
- Higher home appreciation in Osceola/Orange County markets
- More community size options and newer construction
What Lakeland Offers
- $75K+ lower median home price
- $5,000+/year lower annual carrying cost
- Zero CDD in most communities
- Golf included in HOA at Sandpiper
- Less tourist traffic and congestion
- Still within 55 minutes of Orlando attractions
Ready to take the next step on
the right 55+ community?
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Connect with a Specialist →Solivita and Del Webb Orlando technically sit in Polk County but price and feel like Orlando communities. Lakeland's communities — Sandpiper, Highland Fairways, Lake Ashton, Traditions — are where the Polk County affordability advantage actually shows up in the numbers.