Gulf Harbour has the most complex fee structure of any Fort Myers active adult community. Marina, golf, master HOA, and taxes — here is what the all-in number actually is.
Property Tax: Lee County effective rate ~1.10%. On a $800K home with homestead: ~$780–$845/month in property taxes.
CDD: Verify CDD status per parcel. Some Gulf Harbour phases carry CDD assessments.
| Component | Monthly Est. |
|---|---|
| HOA | $500–$700 |
| CDD | Verify |
| Property taxes (Lee County) | $595–$645 |
| Homeowners insurance | $450–$750 |
| All-in range | $1,545–$2,095/mo |
| Component | Monthly Est. |
|---|---|
| HOA | $500–$700 |
| CDD | Verify |
| Property taxes (Lee County) | $780–$845 |
| Homeowners insurance | $550–$900 |
| All-in range | $2,330+–$3,045+/mo |
| Component | Monthly Est. |
|---|---|
| HOA | $500–$700 |
| CDD | Verify |
| Property taxes (Lee County) | $975–$1,055 |
| Homeowners insurance | $650–$1,100 |
| All-in range | $3,125+–$4,355+/mo |
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →These are planning estimates. Get the actual HOA budget, pull the county parcel tax bill for your specific address, and obtain real insurance quotes before finalizing your monthly budget. Ranges can vary significantly based on home type, lot position, community phase, and construction vintage.
We can help you build the complete all-in monthly number for any community before you commit.
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