✨ Welcome back! Last time, we helped you map out your commute-friendly happily-ever-after. Today, we’re casting light on a different kind of magic—the kind found in the fine print. Let’s talk about the hidden costs of moving to Florida, especially when you’re buying in the Disney Bubble.
Because while the palm trees and pixie dust are real, so are things like CDD fees, HOA rules that rival royal decrees, and flood insurance that could sneak up like a villain in a Pixar short.
🛩️ 1. CDD Fees: The Magical Mystery Line Item
CDD = Community Development District. Translation: A special tax to pay for roads, utilities, and infrastructure in newer neighborhoods.
đź“Ś Common in: Horizon West, new builds in Winter Garden, parts of Celebration.
💰 Typical range: $100–$250/month, added to your annual property tax bill.
✨ Pixie Dust Pro Tip: Always ask for the total annual tax estimate upfront. Don’t let this surprise you during escrow!
🌊 2. Flood Zones & Insurance Surprises
Florida is gorgeous—but also soggy. Flood zones are real, and flood insurance isn’t part of your standard homeowner’s policy.
đź“Ś Watch for: Zones A and AE, especially near lakes, wetlands, or lower elevations.
đź’° Cost impact: Flood insurance can range from $400 to $2,000+/year depending on the zone and home elevation.
✨ Pixie Dust Pro Tip: Check FEMA flood maps or ask your agent to confirm zone designation before you make an offer.
đź“‹ 3. HOAs With Royal Expectations
Some HOAs just want to keep the lawns trimmed. Others want to approve your mailbox style, your front door color, and limit how many Mickey-shaped wreaths you can display during the holidays. (Yes, really.)
đź“Ś Seen in: Celebration, Windermere, parts of Dr. Phillips.
💰 Typical range: $50–$300/month, depending on amenities and services.
✨ Pixie Dust Pro Tip: Ask for the HOA documents during your inspection period—you might be surprised what’s in the rulebook.
Some HOAs just want to keep the lawns trimmed. Others want to approve your mailbox style and holiday inflatables.
đź“Ś Seen in: Celebration, Windermere, parts of Dr. Phillips.
💰 Typical range: $50–$300/month, depending on amenities and services.
✨ Pixie Dust Pro Tip: Ask for the HOA documents during your inspection period—you might be surprised what’s in the rulebook.
🔌 4. Utilities & Services – Sunshine Comes With a Side of AC
It’s not just the sunshine that’s hot—your electric bill might be too.
đź“Ś Common costs to plan for:
- Electric: $200–$400/month in summer
- Water/Sewer: $75–$150/month
- Internet/Cable: $70–$150/month (some neighborhoods are contract-bound)
✨ Pixie Dust Pro Tip: Check with the current owner or your agent to estimate average monthly costs.
đźš› 5. Moving & Transition Expenses
The logistics of getting to Florida can cost more than just gas money.
đź“Ś Hidden costs include:
- Hiring movers or shipping vehicles
- Short-term rentals while waiting for closing
- Deposits for utilities and services
- Florida car registration fees (~$225 per vehicle)
✨ Pixie Dust Pro Tip: Build a transition fund to cover these one-time expenses.
🏰 6. Disney Proximity ≠Discounted Magic
Sorry, living near Disney doesn’t score you free park days (unless you’re a Cast Member).
đź“Ś Annual Passholder costs (as of 2025):
- Incredi-Pass (no blockouts): ~$1,449
- Sorcerer Pass (FL Residents only): ~$999
- Pirate Pass: ~$799
✨ Pixie Dust Pro Tip: Budget for the pass if you plan to visit more than 4–5 times a year—it pays for itself!
Just like a savvy Disney dad planning Lightning Lane Pass strategies at rope drop, I believe in setting expectations—so your dreams don’t turn into pumpkins at closing.
These hidden costs aren’t dealbreakers. They’re just part of the full-color story. And with the right guide (that’s me!), you can navigate your move with confidence, clarity, and maybe even a churro in hand.
👋 Ready to turn the page to your next chapter in the Disney Bubble? Let’s talk. 321-364-4844.
Because with a solid plan and a smart strategy, your move can be the stuff of magic—and equity.
