Relocating to Lake Nona · the cost calculator
What will this house really cost every month?
Pick a community and a price. The calculator applies the right county and city millage, models the homestead exemption, adds the CDD or district assessment with its payoff horizon, the HOA dues and an insurance figure — and lets you overwrite any line with the real number from a listing, an estoppel or your quote.
How each line works is explained in the guide's cost chapter.
Estimated monthly cost of ownership
$4,680
$56,159 a year · Laureate Park · $650,000 · homestead
Principal & interest
20% down, 6.5% for 30 years. Your inputs.
$3,287
$39,441/yr
Property tax
18.0878 mills on taxable value (after homestead). Lowest total millage among City of Orlando mill codes (tax year 2025) — the parcel-specific code has not been supplied for this edition, so the lowest code in the jurisdiction is used.
$918
$11,014/yr
CDD / district assessment
Typical annual assessment, secondary source — confirm on the tax bill (as of 2026-05-01).
$200
$2,400/yr
HOA dues
Typical annual dues, secondary source — confirm on an estoppel (as of 2026-05-01).
$158
$1,895/yr
Homeowners insurance
County average from Citizens data (as of 2026-04-01) — orientation only; get a quote.
$117
$1,409/yr
Flood insurance
Not included — look up the address at msc.fema.gov; zone X is optional coverage.
$0
$0/yr
- Millage is the jurisdiction's lowest mill code; your parcel's code may be higher. Check the property appraiser's record.
Homestead modeled as $25,000 off all taxes plus up to $25,000 off non-school taxes (assessed value $50,000–$75,000), per Florida DOR PT-113. After the first year the Save Our Homes cap limits assessed-value growth to 3% or CPI, whichever is lower. Figures from the guide's data file, September 2026 edition; sources and as-of dates are in the appendix. This is an estimate for orientation, not a quote, a tax bill, or advice.
Send me this as a report
The same breakdown, emailed to you with its sources. Email only.