The true cost of owning a home in Sunbridge goes well beyond the sticker price. Between HOA fees, CDD assessments, property taxes, insurance, and utilities, your monthly budget in this master-planned community has layers that most buyers don’t see until closing. I put this guide together so you know exactly what to expect before you sign.
If you are still deciding whether Sunbridge is right for you, start with our honest pros and cons of living in Sunbridge. Already sold on the community? Keep reading for every line item.
Want a custom breakdown for a specific lot?
I will pull the exact taxes, CDD, HOA, and insurance estimate for any home in Sunbridge. Reach out here and I will run the numbers.
01 Sunbridge Home Prices by Builder
Sunbridge spans two main neighborhoods: Del Webb (55+ active adult) and Weslyn Park (all ages, multiple builders). Prices range from the low $300s to over $900K.
Del Webb (55+)
13 floor plans from $322,990 (Ellenwood villa) to $645,890 (Stellar Grand). Average sold price over the past 12 months: $510,196. Median: $575,000.
Weslyn Park (All Ages)
| Builder | Price Range | Lot |
|---|---|---|
| Craft Homes (townhomes) | High $300Ks | TH |
| David Weekley | $429,990 – $647,990 | 34′ / 50′ |
| Ashton Woods | $482,990 – $696,990 | 45′ |
| M/I Homes | $449,990 – $699,430 | Various |
| Perry Homes | From the $730s | 60′ |
| ICI Homes | $743,900 – $921,900 | Custom |
Toll Brothers sold out of Weslyn Park in February 2025 but is returning with Pulte in a joint venture (436 lots in the Orlando section). Tri Pointe Homes will open 289 lots in 2027.
02 Mortgage Payment
Current rates as of the week of October 1, 2026 (Freddie Mac PMMS):
| Loan Type | Rate |
|---|---|
| 30-Year Fixed | 7.28% |
| 15-Year Fixed | 6.60% |
| FHA 30-Year | ~7.20% |
| VA 30-Year | ~6.90% |
Monthly Principal & Interest (30-Year, 20% Down)
| Purchase Price | Loan Amount | Monthly P&I |
|---|---|---|
| $350,000 | $280,000 | $1,916 |
| $450,000 | $360,000 | $2,464 |
| $550,000 | $440,000 | $3,011 |
| $700,000 | $560,000 | $3,833 |
If you put down less than 20%, add PMI: roughly $100-$150/month on a $400K loan at 10% down with a 740+ credit score. PMI drops off once you reach 80% loan-to-value.
03 Sunbridge Property Taxes
Sunbridge sits in unincorporated Osceola County (Tax District 300). The total ad valorem millage rate is 13.8253 mills.
Watch out for bad data online.
Many websites cite Osceola County’s average rate of ~15.2 mills, which blends in higher municipal rates from Kissimmee and St. Cloud. Sunbridge’s actual rate is lower because it is unincorporated.
On top of the millage, every dwelling pays a $312/year fire rescue assessment (flat, non-ad valorem).
Estimated Annual Property Taxes (Year 1)
| Purchase Price | Homesteaded | Non-Homesteaded |
|---|---|---|
| $350,000 | ~$4,580/yr ($382/mo) | ~$5,151/yr ($429/mo) |
| $450,000 | ~$5,962/yr ($497/mo) | ~$6,533/yr ($544/mo) |
| $550,000 | ~$7,345/yr ($612/mo) | ~$7,916/yr ($660/mo) |
| $700,000 | ~$9,420/yr ($785/mo) | ~$9,990/yr ($833/mo) |
Includes the $312 fire assessment. Homestead exemption saves about $559/year.
Florida homestead exemption (2026):
If this is your primary residence, you get $51,411 off your taxable value. The first $25,000 applies to all taxes; the additional $26,411 applies to non-school taxes only. You must file for it after closing. Additionally, Save Our Homes caps annual assessment increases at 2.7% for 2026, which adds up to significant savings over time.
04 Sunbridge HOA Fees
This is where the two neighborhoods diverge sharply.
| Neighborhood | Home Type | Monthly HOA | Covers |
|---|---|---|---|
| Del Webb | Single-Family | $414 – $448 | Lawn, internet, amenities, 24hr gate |
| Villas | $508 | All of above + roof + exterior paint + termite bond | |
| Weslyn Park | Single-Family | $138 | Amenities, internet, common areas |
| Townhomes | $403 – $443 | All of above + exterior maint + pest control |
Del Webb’s HOA looks expensive, but it includes professional lawn care ($78-$100/month value) and gigabit fiber internet (~$80/month value). For a full breakdown of what is and is not covered, see our Del Webb HOA fees guide. Weslyn Park single-family owners pay for lawn care and pest control separately. Our Weslyn Park HOA fees guide covers the SSD assessment breakdown by lot size.
Both communities include internet.
832 Communications delivers 10 Gbps fiber-to-the-home. Del Webb residents get 2 Gbps on day one (included in HOA). Weslyn Park includes bulk fiber internet in its HOA as well.
05 CDD / SSD Fees
Sunbridge has a Sunbridge Stewardship District (SSD) that funds roads, parks, trails, and water management across the community. This shows up as a separate line item on your annual tax bill, not in your monthly HOA.
Del Webb
CDD assessment: approximately $2,100/year ($175/month). Varies by lot and phase.
Weslyn Park SSD by Lot Size
| Lot Type | Annual SSD | Monthly Equiv. |
|---|---|---|
| Townhomes | $900 – $1,150 | $75 – $96 |
| 34′ SF | $1,250 – $1,400 | $104 – $117 |
| 45′ SF | $1,650 – $1,900 | $138 – $158 |
| 50′ SF | $1,850 – $2,100 | $154 – $175 |
| 60′ SF | $2,200 – $2,450 | $183 – $204 |
CDD/SSD amounts are lot-specific.
They can vary by $500-$2,500 within the same phase depending on bond allocation. Always request the exact assessment for the specific lot you are considering.
06 Sunbridge Homeowners Insurance
Sunbridge has three advantages that keep insurance costs below the Florida average:
- New construction built to the 2001+ Florida Building Code gets a minimum 68% discount on the hurricane-wind portion of premiums.
- FEMA Flood Zone X (minimal risk). Flood insurance is not required for federally-backed mortgages.
- Inland location. Wind coverage is included in standard HO-3 policies here, unlike coastal areas that need separate windstorm policies.
Estimated annual premiums for Sunbridge new construction range from roughly $2,400 to $5,800 depending on dwelling coverage amount, deductible, and insurer. The Florida insurance market is stabilizing: Citizens Insurance approved an 8.7% rate decrease in January 2026, the first decrease since 2015.
Optional flood insurance in Zone X runs $400-$600/year.
07 Utilities
| Utility | Provider | Monthly Est. |
|---|---|---|
| Electric | OUC | $134 – $200 |
| Water / Sewer | Toho Water Authority | $65 – $90 |
| Natural Gas | TBD | $20 – $40 |
| Trash | Osceola County | ~$33 (on tax bill) |
| Internet | 832 Communications | Included in HOA |
Del Webb is a natural gas community (cooktops, heating), which is uncommon in Florida. Toho Water Authority operates a dedicated water treatment plant for Sunbridge, currently being expanded from 1.0 to 4.8 million gallons per day.
Expect total utility costs of roughly $250-$300/month for a typical single-family home.
08 Maintenance
Ongoing costs that are not covered by HOA (Weslyn Park single-family):
| Category | Annual Cost |
|---|---|
| Lawn care | $960 – $2,400 ($80-$200/mo) |
| Pest control | $400 – $700 (quarterly service) |
| Pool maintenance (if applicable) | $960 – $1,440 ($80-$120/mo) |
| HVAC service | $150 – $300 (2 tune-ups/year) |
Del Webb HOA includes lawn care. Weslyn Park townhome HOA includes exterior maintenance, pest control, and termite bond.
Major Costs Down the Road
| Item | Cost | When |
|---|---|---|
| HVAC replacement | $6,000 – $9,500 | Every 10-15 years in FL |
| Roof replacement | $12,000 – $25,000 | Every 18-22 years |
| Exterior painting | $3,000 – $10,000 | Every 5-7 years |
New construction warranty (Pulte/Del Webb):
1 year on materials and workmanship, 2 years on mechanical systems, 5 years on water infiltration, 10 years on structural. Warranties transfer to future owners. Do a thorough walkthrough at the 11-month mark.
09 Total Monthly Cost: Three Scenarios
Here is what the total cost of owning a home in Sunbridge actually looks like when you stack every expense together. All scenarios assume 30-year fixed at 7.28%, 20% down, homesteaded, Year 1.
Scenario A: $325K Weslyn Park Townhome
| Mortgage (P&I) | $1,779 |
| Property taxes | $353 |
| HOA (includes exterior, pest, internet) | $403 |
| SSD | $85 |
| Insurance | $200 |
| Utilities | $250 |
| Total | ~$3,070/mo |
Scenario B: $450K Weslyn Park Single-Family (45′ lot)
| Mortgage (P&I) | $2,464 |
| Property taxes | $497 |
| HOA | $138 |
| SSD | $146 |
| Insurance | $250 |
| Utilities | $267 |
| Lawn care + pest control | $146 |
| Total | ~$3,908/mo |
Scenario C: $510K Del Webb Single-Family (50′ lot)
| Mortgage (P&I) | $2,792 |
| Property taxes | $566 |
| HOA (includes lawn + internet) | $431 |
| CDD | $175 |
| Insurance | $267 |
| Utilities | $267 |
| Pest control | $46 |
| Total | ~$4,544/mo |
Del Webb’s total is higher primarily because of the larger HOA. But that HOA includes lawn care (worth $87/month on a 50′ lot) and gigabit internet. Apples to apples, the gap narrows significantly. For a deeper look at Del Webb’s monthly budget, see our complete Del Webb cost of living breakdown.
10 Closing Costs
Closing costs are a one-time expense, but they are part of the total cost of buying a home in Sunbridge that catches first-time buyers off guard. Florida buyer closing costs typically run 2-5% of the purchase price (state average ~4.8%). Key line items:
| Item | Amount |
|---|---|
| Documentary stamp tax on note | $0.35 per $100 of loan |
| Intangible tax on mortgage | $2 per $1,000 of loan |
| Owner’s title insurance | $5.75/K first $100K + $5/K over |
| Title search + closing fee | $550 – $900 |
On a $450K purchase with a $360K loan, expect roughly $9,000-$22,500 in total closing costs.
Most builders are currently offering closing cost assistance ranging from $2,000 to $25,000 (and Perry Homes up to $50,000 in Flex Cash). These incentives usually require using the builder’s preferred lender.
