Many buyers want to know the real cost of owning a home in Windsor Cay Resort before investing. Located just minutes from Walt Disney World, this short-term rental–friendly community offers luxury vacation homes designed for families and investors alike. Understanding ongoing expenses is key to planning your purchase wisely.
What Are the HOA Fees at Windsor Cay Resort?
- Monthly Fee: Estimated $475–$600, depending on floor plan and community phase.
- One-Time Capital Contribution: $3,000, paid at closing when joining the HOA.
- Possible Incentives: Some early-phase buyers may receive a $6,000 HOA credit when paying cash or using approved lenders.
What Do HOA Fees Cover?
- Lawn care, landscaping, and fertilization
- Irrigation water
- Daily trash collection
- Cable TV (≈75 channels)
- High-speed internet (400 MB–1 GB)
- Full access to Aloha Clubhouse, resort pool, lazy river, fitness center, and sports courts
- Repainting and reroofing for townhomes when needed
The HOA fees at Windsor Cay Resort make ownership easier for both residents and investors by combining key utilities, maintenance, and amenity access into a single monthly payment.
Understanding CDD Fees at Windsor Cay Resort
A Community Development District (CDD) is a special taxing district created to fund and maintain the infrastructure and shared amenities within a community. At Windsor Cay Resort, CDD fees help cover the costs of roads, utilities, and the resort’s extensive amenities, ensuring the community is well-maintained for both owners and guests.
Annual CDD Fees by Home Type
- Townhomes: $1,000 – $1,300 per year
- Single-Family Homes (40-ft lots): $1,800 – $2,000 per year
- Single-Family Homes (50-ft lots): $2,200 – $2,400 per year
These fees are paid annually along with property taxes, meaning they are included in the tax bill for each property. Because Windsor Cay Resort is still a newer community, these fees play an important role in funding and maintaining the neighborhood’s infrastructure and resort-style amenities, such as the clubhouse, pool, and landscaped common areas.
For buyers and investors, it is essential to account for the CDD fee when calculating the total annual cost of ownership, as it is a recurring expense that remains in place even after the home is fully paid off.
Windsor Cay Resort Property Taxes
Property taxes at Windsor Cay Resort are approximately 1.6% of the purchase price, and this percentage already includes the CDD fee in the total amount due each year.
For example, if you purchase a home priced at $700,000, your estimated annual property tax would be around $11,200. The exact amount can vary slightly depending on the assessed value of the property and the county’s current tax rates.
Total Cost of Ownership Example
Here is an approximate breakdown of yearly ownership costs for a $700,000 single-family home on a 40-ft lot at Windsor Cay Resort:
| Expense | Estimated Annual Cost |
| Property Tax | $11,200 |
| CDD Fee | $1,900 |
| HOA Fee ($550/mo) | $6,600 |
| Total | ≈ $19,700/year |
This estimate excludes insurance and mortgage payments but provides a clear view of the recurring fees owners should budget for each year. Factoring in HOA, CDD, and property taxes, buyers can better plan their investment and understand the ongoing cost of owning a Windsor Cay Resort vacation home.
Why Understanding These Fees Matters for Investors
Knowing the full breakdown of HOA, CDD, and property taxes is essential for buyers who plan to use their Windsor Cay Resort home as an investment. The HOA fee simplifies ownership by bundling most maintenance and utilities, including landscaping, irrigation, trash collection, cable, and high-speed internet. This reduces the need for owners to coordinate multiple services, which is especially helpful for out-of-state investors.
Because Windsor Cay Resort is fully zoned for short-term rentals, it is ideal for listing on platforms like Airbnb and Vrbo. The predictable monthly HOA fee and annual CDD cost make it easier to estimate cash flow and calculate potential ROI.
When compared to similar communities such as Windsor Island Resort and Windsor at Westside, Windsor Cay Resort’s fees are within a similar range. However, Windsor Cay stands out as a newer development with upgraded amenities, including modern homes, high-speed internet, and resort-style features designed to appeal to vacation renters.
These advantages can make Windsor Cay more attractive to potential guests and provide investors with a competitive edge in the rental market.
Explore homes for sale in Windsor Cay Resort with Mike Chen, Florida’s trusted Realtor, who guides you through every detail before you make an offer.
