Lakes at Harmony has one of the most documented CDDs in the Orlando metro — $128–$193/month depending on section — on top of a $376 HOA. Most buyers see the community page and never add those numbers together correctly. Here is the complete accounting.
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Talk to a Specialist →Lakes at Harmony’s CDD is among the most documented in the Orlando 55+ market. East Lake section buyers have reported annual CDD assessments of approximately $1,536–$2,316/year ($128–$193/month). This is not an estimate — it is documented in Osceola County tax records. Before making any offer on a Lakes at Harmony home, request the prior-year tax bill from the seller and confirm the exact CDD line item for that specific parcel.
| Variable | Detail |
|---|---|
| HOA Fee | ~$376/month — covers amenity center, pools, fitness, common areas, and Harmony master plan access. Verify current amount. |
| CDD | Active — $1,536–$2,316/year documented ($128–$193/month). Verify specific parcel amount before closing. |
| HOA + Mid CDD | ~$537/month combined — this is the real base monthly community cost |
| County Tax Rate | Osceola County 0.93%. On a $350K home: ~$271/month after homestead. |
| Home Insurance | $1,800–$3,000/year estimated (~$150–$250/month). |
| Home Price | HOA | CDD (mid) | Tax/mo* | Ins/mo | Total/mo |
|---|---|---|---|---|---|
| $300K | $376 | $161 | $232 | $183 | $952 |
| $380K | $376 | $161 | $294 | $208 | $1,039 |
| $460K | $376 | $161 | $356 | $233 | $1,126 |
*Osceola 0.93% after $50K homestead. CDD is mid estimate — verify actual on specific parcel. Does not include mortgage or utilities.
Lakes at Harmony’s all-in monthly cost at $380K is ~$1,039 — before mortgage. That is among the highest in the Osceola County corridor. The Harmony master plan amenities, golf course access, and the established small-town character of Harmony justify this for buyers who specifically want this lifestyle. For buyers who were comparing on HOA alone ($376 vs $290 elsewhere), the CDD-included number changes the comparison significantly.
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Harmony is one of Central Florida’s most distinctive planned communities — a neo-traditional town design with tree-lined streets, two community lakes with boat docks, a golf course, equestrian facilities, and a town center. It is genuinely different from the typical Central Florida master plan aesthetic. Buyers who specifically want Harmony’s character and are comfortable with the all-in monthly number will find nothing comparable in the Osceola County corridor.
For buyers who found Harmony on a list and haven’t done the CDD math, the numbers above represent the honest monthly cost of living here. It is a premium product at a premium price. Evaluate it on those terms.
Full Lakes at Harmony community guide — Harmony master plan context, location, and complete community profile.
We'll pull the CDD from Osceola County records on any specific parcel and build your true all-in monthly before you make any decisions.
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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