Villas III
Section
Stack: Section fee $675/qtr = $2,700/yr + club $11,014/yr + CDD $709.11/yr.
$14,423/yr
complete
Cedar Hammock — Section by Section
Cedar Hammock HOA Fees by Section
Cedar Hammock has no community-wide HOA at all. What every home pays instead is two universal layers — the club, $11,014 a year on its 2026 schedule (the assessment plus cable and internet), and the CDD, $709.11 a year on the adopted FY2027 schedule — and then its own section association’s fee. Seventeen section associations run the terraces, verandas and villas, and their fees are what separate one Cedar Hammock address from another.
The rows are complete totals: section fee + club + CDD. They run from $14,423 to $17,563 a year — a narrow band, because the universal layers do most of the work. Two cautions live in the panel: a $415-a-quarter amenities assessment that applies only to homes still on its payment plan, and the single-family sections, whose listings are too dated to row honestly. Questions? Send us a message, or text or call (239) 216-2016.
$11,723/yr
Every home pays
Club $11,014/yr (2026 schedule) + CDD $709.11/yr (FY2027) — the stack under every section fee
$14,423/yr
Lowest complete total
Villas III — section $675/qtr on the universal stack
$17,563/yr
Highest complete total
Terrace VI — section $1,460/qtr on the universal stack
Basis: club figure from the club’s 2026 schedule and CDD from the district’s adopted FY2027 schedule (both first-party); section fees from current MLS listings, checked November 2026. This page prices 9 of the 17 section associations.
How to read this page
• Every row is a complete total: section fee + club $11,014/yr + CDD $709.11/yr. The club figure is the 2026 schedule’s assessment ($9,788–$9,789) plus its cable/internet line ($1,226).
• The amenities assessment is conditional: $415/qtr runs through 2032 but applies ONLY to homes still on its payment plan — it is in no row, and whether it applies to a home you are buying is a question for the resale certificate.
• The $1,000/yr food-and-beverage minimum is spend, not a fee — it is excluded from every total on this page.
• Missing on purpose: the single-family sections (Cedar Hammock Court / Wax Myrtle Run, $602–$630/qtr) rest on dated listings whose club fields are stale, and the remaining Terrace, Veranda and villa associations had no usable current listing. They join this page as the sweep prices them.
The sections — lowest fee first (9)
Veranda (further building)
Section
Stack: Section fee $965/qtr = $3,860/yr + club $11,014/yr + CDD $709.11/yr — the listing’s own total reconciles to the dollar.
$15,583/yr
complete
Veranda III
Section
Stack: Section fee $1,000/qtr = $4,000/yr + club $11,014/yr + CDD $709.11/yr.
$15,723/yr
complete
Veranda I
Section
Stack: Section fee $1,060/qtr = $4,240/yr + club $11,014/yr + CDD $709.11/yr.
$15,963/yr
complete
Terrace II
Section
Stack: Section fee $1,105–$1,117/qtr across two listings = $4,420–$4,468/yr + club $11,014/yr + CDD $709.11/yr.
$16,143–$16,191/yr
complete — range
Terrace IV
Section
Stack: Section fee $1,150/qtr = $4,600/yr + club $11,014/yr + CDD $709.11/yr.
$16,323/yr
complete
Terrace I
Section
Stack: Section fee $1,200/qtr = $4,800/yr + club $11,014/yr + CDD $709.11/yr.
$16,523/yr
complete
Terrace III
Section
Stack: Section fee $1,316/qtr = $5,264/yr + club $11,014/yr + CDD $709.11/yr.
$16,987/yr
complete
Terrace VI
Section
Stack: Section fee $1,460/qtr = $5,840/yr + club $11,014/yr + CDD $709.11/yr — the highest section stack in Cedar Hammock.
$17,563/yr
complete
← All 55 communities — the Naples HOA fees hub · Cedar Hammock community guide · Homes for sale in Cedar Hammock
Looking at a home in Cedar Hammock?
Call or text (239) 216-2016
Tell me the section — I’ll confirm its exact current stack, and walk you through the real numbers — or send us a message.
Michael O’Reilly · Broker Associate · Downing-Frye Realty, Inc.