CDD bonds can add $1,500–$3,000+ per year to your carrying cost for 20–30 years. They are not covered by the Florida Homestead exemption or the Save Our Homes cap. Here is which Ocala communities have them and which do not.
Community Development District bonds are government-issued infrastructure financing instruments used to fund roads, utilities, recreational facilities, and other development costs. They attach to individual parcels and appear as a separate line item on your annual property tax bill. They are not part of the HOA fee. They are not covered by the Florida Homestead exemption. They are not capped by the Save Our Homes assessment limit. You pay the full amount every year until the bond matures — typically 20–30 years from issuance.
CDD bonds became standard financing tools for large Florida developments starting in the 1990s and accelerating through the 2000s. Communities built before the early 1990s generally have no CDDs. Communities built from the mid-1990s onward may or may not — it depends on whether the developer used CDD financing for that specific project.
| Community | CDD Status | Typical Annual CDD | Notes |
|---|---|---|---|
| On Top of the World (Central) | No CDD (most parcels) | $0 | Pre-CDD era community, est. 1981 |
| Oak Run | No CDD | $0 | Built 1985–2007, pre-CDD financing |
| SummerGlen | No CDD | $0 | Built 2004–2014 |
| Spruce Creek CC | No CDD | $0 | Built 1996–2007 |
| Spruce Creek South | No CDD | $0 | Built 1989–1995 |
| Stonecrest | No CDD (verify older parcels) | $0 most | Built 1990–2024 — verify per parcel |
| Del Webb Stone Creek | Some parcels — BLCCDD | $800–$1,800/yr | Bay Laurel Center CDD — verify per parcel |
| Ocala Preserve | Some parcels — BLCCDD | $800–$1,500/yr | Newer construction — verify per parcel |
| Candler Hills (OTTOW) | Some new home parcels | Varies | New homes in Candler Hills may carry CDD |
| The Villages | Yes — most sections | $1,500–$4,000+/yr | Varies dramatically by section and age |
| Plantation at Leesburg | Verify per parcel | Verify | Lake County — check parcel tax bill |
| Royal Highlands | Verify per parcel | Verify | Lake County — check parcel tax bill |
CDD status is parcel-specific. Always request the property tax bill for the specific home you are considering and look for CDD line items before making an offer.
Tell us the community and address or parcel ID. We will look it up and tell you the exact CDD status and current assessment amount.
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