HOA + CDD fee + St. Johns County tax + insurance — complete annual breakdown
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Talk to a Specialist →| Cost Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$300–$380/mo | ~$3,600–$4,560/yr | Slightly lower than Del Webb Nocatee; no Tavern & Grill |
| Nocatee CDD assessment | ~$125–$290/mo | ~$1,500–$3,500/yr | Same CDD structure as Del Webb Nocatee — on property tax bill |
| St. Johns County property tax | ~$535–$645/mo | ~$6,400–$7,750/yr | After $50K homestead on $550K home; ~14 mills |
| Homeowners insurance | ~$265–$415/mo | ~$3,200–$5,000/yr | NE Florida estimate; lot-specific flood zone applies |
| Utilities | ~$200–$300/mo | ~$2,400–$3,600/yr | Comparable to other First Coast communities |
| Total Annual Housing Cost (ex-mortgage) | ~$17,100–$24,410/yr · ~$1,425–$2,034/mo | ||
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Florida's Save Our Homes amendment caps your assessed value growth at 3%/year after year one of primary residency. In year one you pay tax close to purchase price. By year 10, if your home has appreciated 30–40%, your assessed value is capped 20–30% below market. By year 20, the gap between your taxable assessed value and actual market value can be $150,000–$300,000 on a well-appreciated home — saving $2,000–$4,000+/year vs what a new buyer pays. This is the single most powerful long-term property tax advantage of Florida primary residency, and it applies to every community on this page.
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