Shearwater CDD Fees: The Actual FY2025/26 Numbers
What the Trout Creek CDD assessment really costs per home, where it appears on your bill, and how it splits between operations and bond debt — from the district’s own budget documents.
The quick answer
If you buy in Shearwater, plan on $2,321.69–$2,964.51 per year in CDD assessments on top of property taxes, HOA dues, and insurance. It is billed as a non-ad-valorem line on the November tax bill — you pay it with your taxes, whether or not you use the amenities it funded. Range reflects the district budget by lot width and bond series.
The HOA, by contrast, runs about $236/year (realMLS listing feed (median of 205 active listings)) — in Shearwater, as in most CDD communities, the district funds the major amenities, which is why the HOA line is small and the tax-bill line is not.
Current market context: median recent sale about $497,882, typical market time 44 days (MLS community statistics, dated on the community page).
What the split means
The operations portion funds the district’s ongoing services and amenities and is re-adopted in a public budget every year — it can rise. The debt portion repays the infrastructure bonds that built the community and varies by bond series and lot; on some lots it can be paid off early, which is worth asking about in any offer. Full district-by-district tables for the county are on our St. Johns County CDD database.
Put it in a real monthly number
CDD is one line of the true cost of owning in Shearwater: see the full Shearwater community guide (live listings, HOA dollars, market data), estimate year-1 property taxes on the St. Johns County estimator, and compare against no-CDD alternatives or Nocatee’s CDD.
No averaging, no guessing: every figure is as printed in the linked official document, with its fiscal year shown. Your lot’s exact assessment is on the county tax bill and in the district’s assessment roll — verify before closing.
Assessment figures transcribed from the Trout Creek CDD adopted budget (FY2025/26) as published on our county CDD database, where each district row links its source document. HOA figure, where shown, is MLS-derived (median of active listings) with its source labeled. General information, not advice; deemed reliable but not guaranteed.