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CDD Disclosure in Florida: A Seller's Guide
Many newer Florida communities sit inside a community development district. If yours does, the sales contract must include a CDD disclosure.
Days to go live are business days, counted once every document required of the seller is completed and e-signed.
What to know
What a CDD isA community development district is a special district that funds roads, utilities, ponds, and amenities in a new community. It's repaid through an…
A community development district is a special district that funds roads, utilities, ponds, and amenities in a new community. It's repaid through an annual assessment on each home's property tax bill, often for many years.
The disclosure requirementFlorida law (Chapter 190) requires contracts for the sale of homes in a CDD to include a prominent disclosure that the property is subject to CDD…
Florida law (Chapter 190) requires contracts for the sale of homes in a CDD to include a prominent disclosure that the property is subject to CDD assessments. Standard Florida contracts include this language; make sure it's there.
How a CDD affects your saleBuyers compare total monthly cost: mortgage + taxes + CDD + HOA. Some CDDs have a debt portion that can be paid off. Check your tax bill for the debt…
- Buyers compare total monthly cost: mortgage + taxes + CDD + HOA.
- Some CDDs have a debt portion that can be paid off. Check your tax bill for the debt service line and payoff amount.
- State the annual CDD amount in your listing so buyers aren't surprised.
Where CDDs are commonKissimmee and Osceola County, Wesley Chapel, and east Pasco, Lakewood Ranch, Clermont, and south Lake County, Tradition in Port St. Lucie, and many…
Kissimmee and Osceola County, Wesley Chapel, and east Pasco, Lakewood Ranch, Clermont, and south Lake County, Tradition in Port St. Lucie, and many newer Orlando suburbs.
Questions, answered
How do I know if my home is in a CDD?Check your property tax bill for a CDD assessment line, or ask your community's management.
Check your property tax bill for a CDD assessment line, or ask your community's management.
Do I have to pay off the CDD to sell?Not usually. The assessment typically stays with the home; some sellers choose to pay off the debt portion as a selling point.
Not usually. The assessment typically stays with the home; some sellers choose to pay off the debt portion as a selling point.
Where does the CDD disclosure go?In the sales contract, as a prominent statement that the home is subject to CDD assessments.
In the sales contract, as a prominent statement that the home is subject to CDD assessments.
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Updated October 2026. General information, not legal or tax advice.