What Listings Show vs. What You Actually Pay
Solivita listings typically show one number: the HOA fee. It ranges $165–$205/mo depending on lot size. That number is accurate — but it is approximately 35–40% of what a couple will actually pay in mandatory community-related costs each month. The mandatory $195/mo club fee, the CDD on the tax bill, property taxes, and homeowner's insurance are all real and recurring. None of them are optional.
This page runs every number for three purchase scenarios: a smaller villa, a mid-size SFH, and a larger home. These are representative — your specific numbers depend on the assessed value of your home, your insurance carrier, and which neighborhood HOA tier applies. Use these as planning benchmarks, then verify the specific figures for any home you're considering.
Important: Fees shown are 2025–2026 figures. HOA and CDD amounts can change annually. Always verify current HOA fees directly with the Solivita HOA and pull the current CDD from the Polk or Osceola County tax records for the specific parcel before making an offer.
Every Mandatory Cost — Couple, Mid-Size Home
The $957/mo figure does not include mortgage principal and interest, golf (pay-per-play), utilities, or personal expenses. It is the mandatory community-related carrying cost floor before any discretionary spending.
Solivita Cost by Home Size
Golf is not included in any scenario. Serious golfers should add $200–$400/mo depending on frequency (both courses at Solivita are pay-per-play, not covered by the $195/mo club fee).
The $195/Month Mandatory Fee — Is It Worth It?
The $195/mo mandatory club fee is the most discussed cost element at Solivita — and the most misunderstood. Buyers who plan to use the amenities heavily often consider it a good deal. Buyers who won't use the facilities frequently view it as a tax.
The math: $195/mo buys access to 14 heated pools, 17 pickleball courts, 9 tennis courts, full fitness center, 250+ clubs, performing arts programming, and a full-time lifestyle director calendar. If you use the pools and fitness center daily and play pickleball three times a week, you are extracting genuine value. If you plan to be away for three months in summer and rarely use amenities, $195/mo is a real carrying cost with no offsetting benefit.
The fee cannot be reduced, suspended, or waived. It is not a club membership you choose — it is mandatory for all homeowners. Budget for it regardless of usage patterns.