What It Really Costs to Live in Water Oak in 2027
When you buy a home in Water Oak, you own the house, but you lease the land it sits on. So the price of the home is only part of the story. The real question is what you'll pay every month to live here. Here's what Sun Communities, the company that runs Water Oak, estimates for 2027, laid out plainly so you can plan.
Starts at $811/mo
Standard home site lot rent, 2027 · about $901 with fees, before water & sewer
Monthly cost by lot type
| Lot type | Lot rent | + Fees | Est. total |
|---|---|---|---|
| Standard home site | $811.00 | $90.46 | $901.46 |
| Corner lot | $845.00 | $90.46 | $935.46 |
| Waterfront lot | $895.00 | $90.46 | $985.46 |
| Golf course frontage | $939.00 | $90.46 | $1,029.46 |
| Premium standard | $860.00 | $90.46 | $950.46 |
| Premium corner | $882.00 | $90.46 | $972.46 |
| Premium lake | $946.00 | $90.46 | $1,036.46 |
What the $90.46 covers
- Real estate tax pass-on: $48.90
- Fire & rescue: $25.49
- Curbside trash pickup: $16.07
- Mailbox rental: $1.00
Water and sewer are extra and change each month depending on how much you use.
Tip: the yearly tax, fire, and trash charges can be paid all at once on or before January 1 for a 4% discount, which comes to $1,035.88 for the year. Mailbox rental isn't included in that amount.
Sun notes that the tax pass-on can vary from one home site to another, depending on the prospectus for that site, and that the amount shown is the highest among them.
One-time costs when you buy
- Sales tax: pre-owned home, 6% state + $50 county. New home, 3% state + $50 county.
- Closing fee (pre-owned or brokered home): $399
- New home prep fee (Sun inventory): $599
- Buyer application fee: $100 / $125
- Tag & title transfer (double-wide): $362
Before you decide
Every home site is a little different. Ask which lot type a home sits on, and confirm the current numbers before you buy.
Source: Sun Communities, "Water Oak Country Club Estates, Estimated Community Expenses 2027." These are Sun's estimates only. All amounts are subject to change and may vary with the home price and with state, municipal, and county taxes and fees at the time of purchase.