One of the largest new 55+ developments in Osceola County — 2,000 homes across 1,100 lakefront acres with Del Webb and Jones Homes building simultaneously. Here is what it costs, what the CDD adds up to, and what buyers need to understand before choosing between Twin Lakes and Del Webb Sunbridge next door.
Twin Lakes is a master-planned 55+ community in St. Cloud, Florida, situated on approximately 1,100 acres surrounding two natural lakes. It is one of the few communities in the Central Florida market where two builders — Del Webb (PulteGroup) and Jones Homes — operate simultaneously within the same master plan, offering buyers genuinely different floor plan families and price points within a single address.
The community began selling in 2016 and plans for up to 2,000 homes when fully built out. Construction is ongoing. The lakefront setting is the defining feature — access to fishing, kayaking, and paddleboarding from within the community places Twin Lakes in a different lifestyle category than inland communities at similar price points.
The location in St. Cloud puts residents approximately 25 minutes from Lake Nona Medical City — the strongest healthcare argument in Central Florida — and 30 minutes from Orlando International Airport. This eastern corridor positioning is a genuine differentiator from Solivita and the Clermont communities.
| HOA Fee | ~$265/month — covers common areas, amenity access, and community management. CDD is separate and additional. |
| CDD Assessment | ~$1,200–$2,200/year ($100–$183/month) on your Osceola County property tax bill. Varies by lot and phase — always request prior year tax bill. |
| Property Tax County | Osceola County — approximately 0.93% effective rate |
| Property Tax on $425K Home | ~$3,953/year (~$329/month) before homestead exemption |
| After Homestead Exemption | ~$3,500/year (~$292/month) — file with Osceola County Property Appraiser |
| Golf | No on-site golf course — nearest public courses 10–15 minutes away |
| Home Insurance (est.) | $2,000–$3,600/year — newer construction typically lower. Lakefront lots may carry elevated premiums. |
| Flood Zone | Properties near the lakes — verify each address individually via FEMA flood map. Some lakefront lots are in AE zones requiring flood insurance. |
| Cost Item | Monthly Estimate |
|---|---|
| HOA Fee | ~$265 |
| CDD (mid-range estimate) | ~$142 |
| Property Tax (after homestead) | ~$292 |
| Homeowner’s Insurance | ~$233 |
| Total Non-Mortgage Monthly | ~$932/month |
Does not include mortgage, utilities, or special assessments. Lakefront premium lots will have higher insurance. Verify CDD and HOA directly before closing.
This is the detail that separates Twin Lakes from nearly every other Central Florida 55+ community. Buyers are not limited to a single builder’s floor plan catalog — they can compare Del Webb’s Scenic, Distinctive, and Echelon series against Jones Homes’ designs within the same master-planned address.
What this means practically: Del Webb brings brand recognition, a national warranty program, and Pulte’s long-track record in 55+ construction. Jones Homes offers designs that sometimes provide different square footage options or architectural details. Buyers who want more choice than a single builder can offer — but don’t want to comparison-shop across different communities — benefit from the dual-builder structure. Negotiate separately with each builder. They do not share pricing information.
For resale buyers: both Del Webb and Jones Homes products are available on the resale market. Review home age, construction phase, and remaining CDD balance as separate variables — a Jones Homes resale from 2018 and a Del Webb resale from 2022 will carry meaningfully different CDD burdens even at similar list prices.
Twin Lakes vs Del Webb Sunbridge is the real decision. Del Webb Sunbridge is literally adjacent — a separate community on adjacent land, Del Webb-only, with a larger 27,000 square foot clubhouse. Buyers who want Del Webb brand specifically should visit both. Sunbridge is newer, has a more elaborate clubhouse, and tends to attract buyers prioritizing amenity scale. Twin Lakes has the dual-builder optionality and the more established lakefront setting. They are not the same community and the buyer profile is meaningfully different.
The lakefront lots command a significant premium. Waterfront and water-view lots at Twin Lakes are priced at a $40,000–$100,000+ premium over comparable interior lots. This premium holds reasonably well in resale — buyers who prioritize lake access consistently pay for it. If lake access is not a priority, interior lots offer substantially better value per square foot.
Flood insurance on lakefront lots. Some lots immediately adjacent to the lakes fall within FEMA AE flood zones. Flood insurance for an AE-zone primary residence can add $1,500–$4,000/year to carrying costs. Before making an offer on any lakefront lot, confirm the flood zone designation for that specific parcel and get an insurance quote. This step gets skipped more often than it should.
AdventHealth St. Cloud is 15 minutes away. The eastern corridor healthcare advantage is real at Twin Lakes. AdventHealth St. Cloud is approximately 15 minutes east. The full Lake Nona Medical City campus is 25 minutes via Narcoossee Road. For buyers managing chronic conditions or prioritizing specialist access, this is meaningfully better than communities in the Disney corridor or Clermont.
No golf on-site is a lifestyle decision. Unlike Solivita or Kings Ridge, Twin Lakes has no on-site golf. This is neither good nor bad — but buyers who expect to play 3–4 times per week should factor in course fees and drive time to the nearest options. It also means the HOA is not subsidizing a course you might not use, which is a genuine value for non-golfers comparing similar-priced communities.
| AdventHealth St. Cloud | ~15 minutes east — closest full-service hospital |
| Lake Nona Medical City | ~25 minutes via Narcoossee Road — VA, Nemours, UCF Med |
| Orlando International Airport | ~30 minutes via FL-417 |
| Downtown Orlando | ~35 minutes via FL-417 and I-4 |
| Walt Disney World | ~35 minutes west |
| Kissimmee (retail/dining) | ~20 minutes west |
| Atlantic Coast (Melbourne) | ~60 minutes east via US-192 |
| Gulf Coast (Tampa) | ~90 minutes west via FL-Turnpike |
We can run your Twin Lakes CDD analysis, Del Webb vs Jones Homes comparison, and true all-in monthly cost before you schedule any tours.