Del Webb's Apollo Beach 55+ community with no CDD — the full monthly number including HOA, taxes, and insurance.
Southshore Falls is a 866-home Del Webb 55+ community in Apollo Beach, completed in phases between 2006 and 2014. The resale market here offers meaningful value compared to new construction CDD communities — buyers get Del Webb quality construction without the ongoing CDD drag. Homes range roughly from the high $200s to mid $400s depending on size and condition.
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Talk to a Specialist →No mortgage assumed. Includes HOA, property taxes with homestead exemption, and insurance estimate. No CDD line — that's the point. Utilities and golf cart costs not included.
| Cost Item | Monthly | Annual | Notes |
|---|---|---|---|
| HOA dues | ~$320 | ~$3,840 | Verify current rate; includes amenities |
| CDD assessment | $0 | $0 | None — confirmed no CDD |
| Property taxes (assessed ~$310K w/ homestead) | ~$230 | ~$2,760 | Hillsborough unincorporated ~17.9 mills |
| Homeowners insurance | ~$250–$320 | ~$3,000–$3,840 | Single-family; shop multiple carriers |
| Flood insurance (if applicable) | ~$80–$150 | ~$960–$1,800 | Apollo Beach area; check parcel FEMA zone |
| Total estimated monthly | ~$880–$1,020 | ~$10,560–$12,240 | Before utilities or mortgage |
Southshore Falls' HOA covers more than many buyers expect for the price:
The HOA does not cover:
Both Apollo Beach and Wimauma are in unincorporated Hillsborough County, so millage rates are similar. The practical difference is that Apollo Beach properties tend to have higher assessed values — which means slightly higher taxes at comparable square footage — but the absence of CDDs at Southshore Falls more than compensates.
| Scenario | Assessed Value | Taxable Value | Annual Tax Est. |
|---|---|---|---|
| Year 1 (no exemptions yet) | $360,000 | $360,000 | ~$6,444 |
| Year 2+ (standard homestead) | $360,000 | $310,000 | ~$5,549 |
| Age 65+, income below ~$36,600 | $360,000 | $260,000 | ~$4,654 |
File for homestead exemption by March 1 of the year after you close. File online at the Hillsborough County Property Appraiser website. The senior exemption requires a separate annual application with income documentation — it doesn't apply automatically.
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Apollo Beach sits on Tampa Bay's shoreline. This creates genuine flood risk considerations that inland Wimauma communities don't face to the same degree:
| 10-Year Cost | Southshore Falls | Valencia Lakes (similar price) |
|---|---|---|
| HOA (10 yr, 2%/yr increase) | ~$41,800 | ~$56,400 |
| CDD assessments (10 yr) | $0 | ~$18,000 |
| Property taxes (10 yr, est.) | ~$52,000 | ~$50,000 |
| Insurance (10 yr, est.) | ~$38,000 | ~$34,000 |
| 10-Year Total | ~$131,800 | ~$158,400 |
Rough estimates for comparable purchase prices. Valencia Lakes insurance estimate lower reflects inland location vs Apollo Beach coastal pricing. Southshore Falls saves ~$26,600 over 10 years primarily from no CDD and lower HOA. Individual results will vary significantly.
We can help you build out a complete monthly budget before you make an offer — including insurance quotes and flood zone research.
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