HOA fees are only one line on the ledger. Here is every monthly cost you will pay as a Del Webb Sunbridge homeowner, from property taxes and insurance to the utility bills nobody warns you about.
When buyers ask me about Del Webb Sunbridge, the first question is always about the sticker price. The second question, the one that actually matters for long-term planning, is: what does it cost to live there every month?
I have helped dozens of buyers through the Del Webb Sunbridge purchase process, and the gap between what people expect to pay monthly and what they actually pay usually comes down to three or four line items they never budgeted for. This guide breaks down every recurring cost so you can plan accurately before you make an offer.
The Complete Monthly Budget
With Del Webb Sunbridge homes currently priced from the high $300s to over $800,000, the monthly cost of living varies widely depending on the floor plan you choose. Here is what a typical homeowner pays each month on a $550,000 home in the Distinctive Series, assuming a homestead exemption and no pool.
| Expense | Monthly Low | Monthly High |
|---|---|---|
| HOA Fees | $378 | $441 |
| Property Taxes (incl. CDD) | $520 | $680 |
| Homeowner’s Insurance | $250 | $450 |
| Electricity | $140 | $220 |
| Water, Sewer, and Trash | $70 | $100 |
| Irrigation Water | $30 | $60 |
| Natural Gas | $25 | $50 |
| Pest Control | $40 | $65 |
| Total (excluding mortgage) | $1,453 | $2,066 |
Based on a $550,000 Distinctive Series home with Florida homestead exemption. Internet is included in your HOA fee. Pool maintenance, if applicable, would add $100 to $150 per month. All figures reflect mid-2026 rates and are subject to change.
Let’s walk through each line item so you know exactly where your money goes.
HOA Fees: What You Pay and What You Get
The monthly HOA fee at Del Webb Sunbridge ranges from $378 to $441 depending on your home series:
| Home Series | Monthly HOA | Landscape Portion |
|---|---|---|
| Scenic Series | $378 | $78 |
| Distinctive Series | $388 | $87 |
| Echelon Series | $398 | $100 |
| Villas | $441 | $68 |
That fee covers more than most people realize:
- Full-service lawn and landscape maintenance, including weekly mowing during the growing season, edging, and blowing
- Gigabit fiber internet to your home
- Amenity center access, including the Hammock Club clubhouse, pools, fitness center, sports courts, and social programming
- 24/7 gated entry with a staffed guardhouse
- Common area maintenance, including roads, signage, landscaping, and lighting within the Del Webb community
What the HOA does not cover
These exclusions are where surprise costs come from:
- Irrigation water usage is metered and billed separately to each homeowner
- Interior pest control, including household pest management, mosquito spraying, and termite bonds (the HOA does cover lawn-level fertilization and pest treatment up to eight times per year, but anything inside your home is on you)
- Gutter installation and maintenance
- Wildlife removal
- Any landscape modifications beyond the standard maintenance scope
For a deeper look at what is and is not included, see our complete HOA fees guide.
Property Taxes and CDD Assessments
Property taxes are the second-largest monthly cost after your mortgage, and they are often the most misunderstood.
Del Webb Sunbridge sits in Osceola County, which has maintained a general millage rate of 6.7 mills for 15 consecutive years. The total combined millage (county, school district, and special districts) runs approximately 15.2 mills.
How to estimate your annual property tax
Florida’s homestead exemption removes $50,000 from your home’s assessed value if Del Webb Sunbridge is your primary residence. Here is how the math works for a $550,000 home:
Sample calculation: $550,000 assessed value minus $50,000 homestead exemption = $500,000 taxable value. At 15.2 mills, that comes to roughly $7,600 per year, or about $633 per month.
Without the homestead exemption (second home or investment property), the same home would owe approximately $8,360 per year, or $697 per month.
What about CDD fees?
Del Webb Sunbridge carries an active Community Development District (CDD) assessment. Unlike HOA fees, which you pay monthly to the association, CDD assessments are rolled into your annual property tax bill. You will see them as a separate line item on your tax statement, but they are collected through the Osceola County Tax Collector alongside your regular property taxes.
The CDD pays for the community’s infrastructure: roads, stormwater management, water and sewer systems, and conservation areas. The monthly estimates in the budget table above include both property taxes and the CDD assessment together, because that is how you will actually pay them.
Homeowner’s Insurance
Florida insurance costs are a national talking point, but the reality at Del Webb Sunbridge is better than the headlines suggest. Two factors work strongly in your favor:
- New construction. Every home in Del Webb Sunbridge is built to current Florida Building Code, including impact-rated windows, modern roof tie-downs, and concrete block construction. Insurers price new construction significantly lower than older homes.
- Inland location. St. Cloud sits roughly 50 miles from the coast. Inland Central Florida counties consistently fall in the lowest-cost band for Florida homeowner’s insurance, typically $3,000 to $5,500 per year for a home in the $500,000 to $600,000 range. That is roughly $250 to $450 per month.
Compare that to coastal properties, where annual premiums commonly exceed $8,000 to $12,000 for similar home values.
Ways to bring your premium down
- Wind mitigation inspection. New Del Webb homes qualify for nearly every available wind mitigation credit. Ask your insurer about this before your policy binds.
- Higher hurricane deductible. Raising your hurricane deductible from 2% to 5% can reduce your annual premium by $500 or more.
- Bundle auto and home. Most Florida carriers offer 10 to 15% discounts for bundling.
- Shop at least three carriers. Florida’s insurance market shifts annually. The cheapest insurer last year may not be the cheapest this year.
Flood insurance note: Del Webb Sunbridge is in FEMA Flood Zone X (minimal flood risk). Flood insurance is not required by most mortgage lenders for Zone X properties. If you choose to carry it voluntarily, expect to pay around $400 to $700 per year through the NFIP.
Utilities: Electric, Water, Gas, and More
Del Webb Sunbridge is served by Toho Water Authority (water and sewer) and several electric providers depending on your section. Here is what typical residents pay:
Electricity: $140 to $220 per month
Air conditioning drives most of your electric bill. In summer (June through September), expect the higher end of this range. Winter months are significantly lower. The average residential rate in the St. Cloud area is approximately 14 cents per kWh.
Del Webb homes come standard with energy-efficient HVAC systems and insulated windows, which helps. If you install solar panels, your summer bills could drop to near zero, though the upfront investment typically runs $15,000 to $25,000 after incentives.
Water, sewer, and trash: $70 to $100 per month
This covers your domestic water usage, sewer fees, and solid waste collection. Water rates in Osceola County use a tiered structure, meaning your per-gallon rate increases as you use more. Keeping your indoor usage moderate (under 5,000 gallons per month) keeps you in the lowest tier.
Irrigation water: $30 to $60 per month
This is the cost that catches people off guard. Your HOA covers lawn mowing and maintenance, but irrigation water is billed separately to each homeowner. Your usage depends on your lot size, irrigation schedule, and whether you have supplemental plantings beyond the standard landscape package. Summer months will run higher than winter.
Natural gas: $25 to $50 per month
Del Webb Sunbridge is one of the few communities in Central Florida that offers natural gas as a standard utility. Gas is typically used for your water heater, range/cooktop, and clothes dryer. Monthly costs are modest because you are not running a gas furnace in Florida. The main advantage is efficiency: a gas water heater costs roughly 30 to 40% less to operate than an electric one.
Internet: $0 per month
Gigabit fiber internet is bundled into your HOA fee. You do not need to set up a separate internet account. This is one of the most tangible cost-saving features of the Del Webb Sunbridge HOA, eliminating a bill that typically runs $70 to $100 per month in this market.
The Costs People Forget
These are the line items that don’t appear in any marketing brochure but show up on your bank statement every month.
Pest control: $40 to $65 per month
Florida bugs don’t take a month off. Year-round interior pest control is not optional here; it is a necessity. Your HOA covers lawn-level fertilization and pest treatment (chinch bugs, fire ants, grubs) up to eight times per year, but household pest control is entirely your responsibility. Most Del Webb Sunbridge residents use a monthly or bi-monthly service that covers general indoor pests (roaches, ants, spiders) plus a termite monitoring bond.
Expect to pay $40 to $75 per month for a standard monthly plan, with termite bonds running an additional $200 to $400 per year if not bundled.
Pool maintenance: $100 to $150 per month (if applicable)
Many Del Webb Sunbridge homeowners add a pool after purchase. If you have one, professional pool service runs $100 to $150 per month for weekly cleaning, chemical balancing, and equipment checks. DIY maintenance is possible but requires consistent attention in Florida’s heat.
Don’t forget the additional electricity a pool pump adds to your electric bill: typically $30 to $50 per month depending on the pump type and run time.
Gutter cleaning: $25 to $75 per month (averaged)
Professional gutter cleaning runs $150 to $300 per service, and most homes need it two to three times per year. Spread across 12 months, that works out to roughly $25 to $75 per month. Gutter installation and maintenance are explicitly excluded from the HOA’s scope.
Tree trimming and extras
Your HOA covers standard lawn maintenance, but anything beyond the scope of routine mowing and edging falls on you. That includes tree trimming ($200 to $600 per service, depending on the tree), mulch replacement for beds beyond the HOA-maintained areas, and any landscape upgrades you want.
How Del Webb Sunbridge Compares to Other 55+ Communities
Cost only matters in context. Here is how Del Webb Sunbridge’s total monthly carrying cost stacks up against comparable 55+ communities in Florida. All estimates assume a $550,000 home value with homestead exemption and exclude the mortgage payment.
| Community | HOA/Mo | Est. Tax/Mo | Total Est./Mo |
|---|---|---|---|
| Del Webb Sunbridge (St. Cloud) | $378 – $441 | $520 – $680 | $1,450 – $2,100 |
| Del Webb Minneola | $374 – $394 | $500 – $620 | $1,400 – $1,950 |
| Del Webb Lakewood Ranch | $330 – $390 | $500 – $650 | $1,350 – $1,950 |
| Latitude Margaritaville (Daytona) | $300 – $450 | $480 – $600 | $1,350 – $2,000 |
| Cresswind at Lakewood Ranch | $350 – $420 | $500 – $650 | $1,400 – $2,000 |
Estimates based on publicly available HOA schedules and county tax records for comparable home values. Insurance and utility costs vary by location and are included in the total estimates. Figures are approximate and intended for comparison purposes only.
When you compare Del Webb Florida prices across communities, Sunbridge falls in the middle of this range. Osceola County’s property taxes run slightly higher than some coastal counties, but your insurance costs are meaningfully lower thanks to the inland location. The net effect is that total carrying costs are competitive with every major Del Webb community in the state.
Where Sunbridge stands out is in what the HOA bundles together. The gigabit fiber internet alone saves $70 to $100 per month that homeowners in most other communities pay out of pocket. Combined with the full-service landscape maintenance, the Hammock Club amenity center, and gated security, Del Webb Sunbridge delivers one of the more inclusive packages among Florida’s 55+ active adult communities at a competitive price point. Minneola offers a similar scope and adds cable TV, but its food and beverage assessment ($840 per year) is an additional line item you will not find at Sunbridge.
Is Del Webb Sunbridge Worth the Monthly Cost?
The total cost of living at Del Webb Sunbridge, excluding your mortgage, runs approximately $1,450 to $2,100 per month for a typical homeowner with a primary residence and no pool. Add a pool and you are looking at $1,600 to $2,300. Are Del Webb communities expensive? Compared to renting a similar lifestyle in a non-age-restricted neighborhood, the total is competitive. Compared to other master-planned communities in the Sunbridge corridor, the monthly cost falls in the middle of the range.
What that money covers matters as much as the number itself: a gated, staffed community with a full-time activities director, resort-style amenities, professional landscape maintenance, gigabit internet, and the security of an age-restricted environment in a corridor where new schools, commercial districts, and additional residential phases are actively under construction.
The most important thing you can do before buying is run your own version of the budget table at the top of this guide. Swap in the exact home price and series that fits your lifestyle, get real insurance quotes (not estimates), and pull the actual tax bill from the Osceola County Property Appraiser’s website for a recently sold comparable home. The numbers in this guide give you a realistic starting point, but your specific situation will determine your actual Del Webb prices and monthly cost.
All figures in this guide are based on publicly available records, current HOA fee schedules, and county tax data as of September 2026. Costs are subject to change. HOA fees are set by the Del Webb Sunbridge Community Association and may be adjusted annually. Property tax estimates use the current Osceola County combined millage rate and assume standard Florida homestead exemption eligibility. Insurance estimates reflect typical rates for new construction, concrete block homes in inland Central Florida. This guide is for informational purposes only and does not constitute financial advice. Always verify costs with current documentation before making a purchase decision.
