Oyster Harbor
Village
Stack: Village fee $735/qtr = $2,940/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$8,786/yr
before CDD
Fiddler’s Creek — Village by Village
Fiddler’s Creek HOA Fees by Village
Every Fiddler’s Creek home pays the Foundation’s Village Center fee — $1,461.50 a quarter, $5,846 a year on the Foundation’s December 2025 fee sheet — plus a CDD assessment that depends on which of the community’s districts the home sits in. On top of that stack sits the village fee, and it is the village fee that swings the total: from $735 a quarter in Oyster Harbor to $2,100 a quarter in Montreux.
The rows below are village fee + Foundation, stated annually; each home’s CDD comes on top, and the panel carries the full CDD schedule — for most villages the district is not publicly mapped to the address, and we say so rather than guess it. One warning the panel explains: a $1,966.50-a-quarter figure circulates in listings as if it were a village fee. It is not — it is the Foundation fee and the CDD combined. Questions on a specific home? Send us a message, or text or call (239) 216-2016.
$5,846/yr
Foundation Village Center fee
$1,461.50/qtr on the Foundation’s Dec 2025 fee sheet — every home pays it
$7,866/yr
Typical stack before the village
Foundation + CDD operations $1,300/yr + CDD debt $720/yr
$14,246/yr
Highest priced village stack
Montreux — village + Foundation, before its CDD
Basis: Foundation fee sheet (December 2025) and the CDD’s adopted FY2027 schedule, both first-party; village fees from current MLS listings, checked November 2026. Rows exclude each home’s CDD, which the panel schedules; Marsh Cove’s CDD is known and is stated on its row.
How to read this page
• Rows are village fee + Foundation. The CDD sits on top of every row: CDD #1 areas whose bonds are paid off assess $1,836.29/yr; Marsh Cove (CDD #1) assesses $6,936.29/yr; CDD #2 runs $1,797.75–$6,194.06/yr by lot group (adopted FY2027 schedule). Which district serves which village is not publicly mapped for about fifteen villages — named here as a gap rather than assigned.
• The $1,966.50 trap: listings sometimes enter $1,966.50/qtr where a village fee belongs. That figure is the Foundation fee plus CDD operations and debt for one quarter — a community layer, not a village fee — and it is never used as one on this page.
• Two villages stay in this panel: Hawk’s Nest, whose listings print a combined $2,174/qtr (village and a separate CDD line merged, not separable), and Whisper Trace, at $3,036/qtr combined on a single non-local listing — flagged, not rowed, until the sweep separates them.
• The club is optional at Fiddler’s Creek (2025 published schedule on file); its initiation fee is not published and is never folded into these figures.
The villages — lowest fee first (13)
Lagomar
Village
Stack: Village fee $794/qtr = $3,176/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$9,022/yr
before CDD
Pepper Tree
Village
Stack: Village fee ≈$796/qtr ≈ $3,184/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
≈$9,030/yr
before CDD
Millbrook
Village
Stack: Village fee $825/qtr = $3,300/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$9,146/yr
before CDD
Bent Creek
Village
Stack: Village fee $920/qtr = $3,680/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$9,526/yr
before CDD
Cranberry Crossing
Village
Stack: Village fee $1,045/qtr = $4,180/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$10,026/yr
before CDD
Mallards Landing
Village
Stack: Village fee $1,050/qtr = $4,200/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$10,046/yr
before CDD
Runaway Bay
Village
Stack: Village fee $1,062/qtr = $4,248/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$10,094/yr
before CDD
Mussorie
Village
Stack: Village fee $1,091/qtr = $4,364/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$10,210/yr
before CDD
Chiasso
Village
Stack: Village fee $1,305/qtr = $5,220/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$11,066/yr
before CDD
Marsh Cove
Village
Stack: Village fee $1,756/qtr = $7,024/yr + Foundation Village Center $5,846/yr. Marsh Cove’s CDD is the known exception: CDD #1 at $6,936.29/yr takes its complete total to $19,806/yr.
$12,870/yr
before CDD — $19,806 complete
Cherry Oaks
Village
Stack: Village fee $2,057/qtr = $8,228/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$14,074/yr
before CDD
Montreux
Village
Stack: Village fee $2,100/qtr = $8,400/yr + Foundation Village Center $5,846/yr. CDD on top (panel).
$14,246/yr
before CDD
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Looking at a home in Fiddler's Creek?
Call or text (239) 216-2016
Tell me the village — I’ll confirm its exact current stack, CDD district included, and walk you through the real numbers — or send us a message.
Michael O’Reilly · Broker Associate · Downing-Frye Realty, Inc.