Charles Cove Homes for Sale in Davenport, FL

Built roughly 2020 to 2024 · Polk County · ZIP 33837

A D.R. Horton single-residential community in the Davenport area of Polk County, the production-home read on the HOA, the CDD, and resort amenities.

D.R. Horton builtHOA plus CDDResort amenities

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a production-builder master community, so the honest read is the HOA dues, the Charles Cove CDD assessment, the floor plan and lot, and the amenity package, not a single price. Confirm the HOA and CDD line by line per parcel with the listing and the closing documents.

Free · No obligation

Unlock Off-Market Charles Cove

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

0now

Distress

Jon's Current Read

"Charles Cove is a D.R. Horton master community in the Davenport area of Polk County, so the read is a production-home read: a community built out roughly 2020 to 2024 where the value drivers are the floor plan, the lot, the carrying cost from the HOA plus the Charles Cove Community Development District, and the resort amenity package, not a custom-home story. The homes are block construction with builder-grade smart-home features and span Express series on narrower lots and larger D.R. Horton plans on wider lots, so resale spreads turn on plan, size, and lot more than on address. The CDD established in 2019 carries a non-ad valorem assessment on top of county taxes and the HOA, so confirm both lines per parcel before you fall for the amenity center. As recent construction the structural picture is generally young, but verify the warranty status, the flood zone, and any drainage or pond-lot considerations for the exact home. Your leverage is reading the HOA, the CDD, and the lot honestly, then pricing the plan against the comps inside the community."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Charles Cove is a single-family home community by D.R. Horton in the Davenport area of Polk County, Florida, ZIP 33837 (D.R. Horton community pages and multiple Central Florida listing guides, 2026). The Charles Cove Community Development District covers approximately 184.1 acres in Section 31, Township 26 South, Range 27 East, and was established by ordinance in December 2019 (Charles Cove CDD records, 2026).

The community was built out roughly 2020 to 2024, with listing guides describing both an Express series on narrower lots and larger D.R. Horton plans on wider lots, generally three to five bedrooms and roughly 1,500 to 2,750 square feet with two-car garages, block construction, and Home is Connected smart-home features (D.R. Horton and Central Florida listing guides, 2026). Confirm the exact plan, square footage, bedroom count, and lot for any specific home.

Because this is a production-builder community, the money is made or lost on the plan, the lot, and the carrying cost, not the address. The drivers are the HOA dues, the separate Charles Cove CDD non-ad valorem assessment, the floor plan and lot premium, and the condition of the specific home, all of which have to be read from the listing and the closing documents per parcel.

The pitch is a newer master community near the Haines City and Davenport corridor along the US 27 and Interstate 4 axis, marketed as minutes from AdventHealth and a drive from the Central Florida theme parks. The work is the diligence: confirm the HOA and CDD numbers, check the flood zone and any pond lot, and price the plan against real comps inside the community before you buy the amenity center.

Quick Match

Who Charles Cove is best for.

Best for

Buyers who want a newer production home with resort amenities in Polk County
Buyers who value block construction and builder smart-home features
Commuters who want US 27 and Interstate 4 access toward Orlando
Buyers who will read the HOA and the CDD assessment closely per parcel

Probably not for

Buyers who want a custom or one of a kind home on acreage
Anyone unwilling to verify the HOA dues and the CDD assessment per parcel
Buyers who want an established mature-tree neighborhood with large lots
Buyers who want to avoid a CDD assessment on top of taxes and HOA

Market Pulse

How Charles Cove is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

24Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 30, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Charles Cove listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Davenport area peers or Davenport. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Charles Cove buys, holds, and resells. See the five factors.

Interactive Map

Charles Cove on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The Club & Membership

15-Second Take

Optional, member-owned club, separate from the POA
~$30M renovation underway, 2026 to 2028
18-hole course, clubhouse, pool, 10 clay courts
Strong value vs Ponte Vedra clubs
Budget the membership separately from the home

Charles Cove is a D.R. Horton master community rather than a custom enclave, so the lifestyle is newer production-home living with shared amenities in the Davenport area of Polk County. Listing guides describe a clubhouse, swimming pool, fitness center, a community park or playground, and walking or jogging trails, with the Haines City and Davenport corridor, US 27, and Interstate 4 nearby and the Central Florida theme parks a drive away. Amenities, gate status, pet rules, and CDD assessments vary, so confirm the current rules, the HOA dues, and the CDD assessment per parcel before you buy.

Nearby & Commute

How far is everything?

The takeaway

Charles Cove trades an established neighborhood for a newer master community near the US 27 and Interstate 4 corridor, with Haines City, Davenport, and AdventHealth close and the theme parks a drive away.

Drive times from the community. They are approximate and vary with traffic and your exact routine.

AdventHealth area~5 to 15 min · as marketed

US 27 corridor~5 to 10 min · shops and dining

Haines City~10 to 15 min · nearby city

Davenport~10 to 15 min · nearby town

Interstate 4 access~15 to 25 min · toward Orlando and Tampa

Central Florida theme parks~25 to 40 min · a drive away

Orlando International Airport~45 to 60 min · to the northeast

Distances and times are approximate and vary with traffic and the specific home. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Charles Cove Homes for Sale in Davenport, FL with Momentum Realty’s local guides.

BNBella Nova Homes for Sale in Davenport, FLDavenport, FL · adjacent PHPleasant HillEstates Homes for Sale in Davenport, FLDavenport, FL · adjacent PHPoitrasEstates Homes for Sale in Davenport, FLDavenport, FL · adjacent RHRedbridgeSquare Homes for Sale in Davenport, FLDavenport, FL · adjacent CBCascadesPh 1A 1B Homes for Sale in Davenport, FLDavenport, FL · adjacent LLLoma LindaDavenport Homes for SaleDavenport, FL · adjacent SHSand HillPoint Homes for Sale in Davenport, FLDavenport, FL · 0.4 mi RPRegency PlaceDavenport Homes for SaleDavenport, FL · 0.7 mi CAChateau atAstonia Homes for Sale in Davenport, FLDavenport, FL · 0.8 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Charles Cove (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Polk County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Charles Cove is served by Polk County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Polk County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Charles Cove address.

The takeaway

What is actually shaping value at Charles Cove: the maturing D.R. Horton resale market, the Charles Cove CDD assessment and Florida CDD rules, and the growth of the Haines City and Davenport corridor along US 27 and Interstate 4. Each item is sourced and linked.

Recent Developments in Charles Cove

Development Intelligence

Our read on what is being built around Charles Cove, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishRecent construction and corridor growth support demand, with the watch items being the combined HOA plus CDD carrying cost and the pace of competing new-home supply across the Davenport and Haines City area.

Charles Cove CDD assessment on the tax bill

2025

NeutralMajor impact

SignificanceRadius: Community

The Charles Cove CDD levies a non-ad valorem assessment on top of county taxes and the HOA, so the combined carrying cost is core diligence per parcel.

Maturing D.R. Horton resale market

2025

NeutralNotable impact

SignificanceRadius: Community

As the community shifts from new construction to resale, plan, lot, and condition increasingly set value rather than builder incentives.

Haines City and Davenport corridor growth

Ongoing

BullishNotable impact

SignificanceRadius: Area

Continued growth along US 27 and Interstate 4 toward Orlando supports demand for newer Polk County production communities.

New-home supply competition

Ongoing

NeutralNotable impact

SignificanceRadius: Area

Heavy new-home construction across Davenport and Haines City adds competition, so resale homes must price to plan, lot, and condition.

Recent block construction

Ongoing

BullishMinor impact

SignificanceRadius: Community

Homes built roughly 2020 to 2024 with block construction are young structures, which generally helps the maintenance and insurance picture.

Theme-park and AdventHealth proximity

Ongoing

BullishNotable impact

SignificanceRadius: Area

Marketing emphasizes proximity to AdventHealth and the Central Florida theme parks, which underpins the location case that supports demand.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Charles Cove, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

December 2019
Governance
Charles Cove Community Development District established by ordinance
The Charles Cove Community Development District was created as an independent special district under Chapter 190 of the Florida Statutes by ordinance enacted in December 2019, covering approximately 184.1 acres in Polk County. Why it matters: The CDD carries a non-ad valorem assessment on top of county taxes and the HOA, so the combined carrying cost is essential diligence for every buyer here. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Charles Cove buying strategy.

If we were buying in Charles Cove, this is the order of operations we would run, and the one we run for our clients.

Read the HOA dues and the Charles Cove CDD assessment first. A CDD non-ad valorem assessment sits on top of county taxes and the HOA, so the combined carrying cost is the real number, not the dues line alone.

Confirm the floor plan, square footage, and series. Express plans on narrower lots and larger D.R. Horton plans on wider lots price differently, so pin down the exact plan and size for the home.

Check the lot and any pond or conservation premium. In a production community the lot drives the spread, so confirm the lot width, the orientation, and any water or drainage considerations.

Verify the FEMA flood zone and warranty status. On recent construction confirm the flood zone, any pond-lot drainage, and what builder or transferable warranty remains on the specific home.

Cross-shop other Davenport area communities on the neighborhoods map if a different builder, amenity package, or lot size outranks this one.

The Quick Decision

Best Buy

A well-kept larger plan on a strong lot with the full amenity access

Biggest Risk

Underbudgeting the combined HOA and CDD carrying cost per parcel

Best Lot

A wider lot with good orientation and a documented flood and drainage read

Smart Timing

Confirm the HOA, the CDD assessment, and the lot before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Charles Cove Homes For Sale

What your money buys in Charles Cove.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Charles Cove today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Plan

A smaller Express series plan on a narrower lot, the affordable way into the community, where condition and lot drive value.

Lowest entry

The Core Home

A mid-size D.R. Horton plan on a standard lot with full amenity access, the heart of the community resale market.

Most inventory

The Top

A larger plan on a premium or water-view lot with the most updated finishes, the homes that hold value best in the community.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry Plan

A smaller Express series plan on a narrower lot, the affordable way into the community, where condition and lot drive value.

The Core Home

A mid-size D.R. Horton plan on a standard lot with full amenity access, the heart of the community resale market.

The Top

A larger plan on a premium or water-view lot with the most updated finishes, the homes that hold value best in the community.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Charles Cove, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Charles Cove is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On golf, lake, and preserve frontage, the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Charles Cove holds value.

Our read on the factors that protect resale here, and the one to manage.

Home ageBuilt roughly 2020 to 2024, recent block construction

HOA and CDD carrying costRead HOA dues and the CDD assessment together

Flood and drainageVerify zone and any pond-lot drainage per parcel

Location and corridor accessUS 27 and Interstate 4 corridor nearby

Interior and lot qualityVaries by plan and lot, read condition per listing

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Charles Cove

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Charles Cove is a production-builder community, not a custom enclave. The deal is won or lost on the plan, the lot, and the combined HOA and CDD carrying cost.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.2B · Buy Score

Resale Strength7.1/10

Renovation Risk3.5/10

Location Efficiency7.0/10

Long-Term Defensibility7.0/10

Carrying Cost Advantage5.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Charles Cove is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

In a production community the plan and lot set value
Wider lots and water or conservation views hold value best
Confirm the FEMA flood zone and any pond-lot drainage
Read the HOA and CDD assessment before the finishes
Verify the warranty status on recent construction per home

In a production-builder community, the part of your money the market protects is the floor plan, the lot, and the carrying cost behind them. Wider lots, water or conservation views, and a well-run HOA hold value better than narrow interior lots in a community carrying a heavy combined assessment. The interior finishes can be updated; the plan footprint, the lot, and the flood and drainage picture cannot. Read the HOA dues, the Charles Cove CDD assessment, the flood zone, and the lot first, then price the condition of the home against them.

The 15-Second Verdict

Charles Cove in 15 seconds.

Best forBuyers who want a newer production home with resort amenities in Polk County.

Biggest advantageA recent D.R. Horton build with block construction and an amenity center.

Biggest riskThe combined HOA and CDD carrying cost on top of county taxes.

Sweet spotA larger plan on a strong lot with full amenity access.

Avoid ifYou want a custom home on acreage or no CDD assessment.

HOA Dues, the CDD Assessment & What They Cover

15-Second Take

Read the HOA dues and the CDD assessment together, not separately
Confirm the CDD non-ad valorem line on the annual tax bill
Ask what the amenity center and pool access include
Carry your own homeowners and a flood quote where applicable
Verify the flood zone and any pond-lot drainage per parcel

Charles Cove is governed by a homeowners association, and separately by the Charles Cove Community Development District established in 2019. The HOA covers community operations and the shared amenities, while the CDD levies a non-ad valorem assessment that pays for community infrastructure and is collected on the annual tax bill. The dues line alone does not tell the story; the combined HOA plus CDD carrying cost does. Confirm the current HOA dues, the CDD assessment, and any pending changes per parcel from the listing and the closing documents.

HOA fees on a community like this generally cover the amenity center, the pool and fitness facilities, common-area landscaping, and community management. The Charles Cove CDD assessment separately funds infrastructure such as stormwater, roads, and street lighting and is repaid through the tax bill. Owners still carry their own homeowners and, where applicable, flood insurance. Verify exactly what the HOA covers, what the CDD assessment funds, and what each owner must insure separately.

Run Your Numbers

Tools for a Charles Cove buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPolk County millage and the homestead picture.Rent vs buyThe breakeven on owning in Charles Cove.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Charles Cove

Price to the plan, the lot, and the combined carrying cost, not a community average.

Selling here means pricing to your specific floor plan and lot and the real combined HOA plus CDD carrying cost, not a community-wide estimate. The plan, the square footage, the lot, the condition, and the amenity access are what set your number in a production community.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Charles Cove, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Davenport area peers, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Charles Cove home worth?

Get a no-obligation home value based on real comparable sales in Charles Cove matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Charles Cove on the map →

Real comps, not an automated estimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Polk County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,609/mo

Polk County typical true cost to own

$110/mo

Polk County typical home insurance

No CDD

No community development district bond

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Polk County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Charles Cove Market Scorecard

Thin data

Charles Cove is currently a thin data. Limited supply, a median asking price of n/a.

n/a

Months supply

n/a

Median list

n/a

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/0

Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Charles Cove?

It is a D.R. Horton single-residential community in the Davenport area of Polk County, Florida, ZIP 33837, near the Haines City and Davenport corridor. Some records reference Haines City for the CDD, so confirm the postal city and jurisdiction for the exact address.

Who built Charles Cove?

It was built by D.R. Horton, including its Express series, with the community built out roughly 2020 to 2024 (D.R. Horton community pages and Central Florida listing guides, 2026).

Is there a CDD at Charles Cove?

Yes. The Charles Cove Community Development District was established by ordinance in December 2019 and covers approximately 184.1 acres (Charles Cove CDD records, 2026). The CDD levies a non-ad valorem assessment collected on the annual tax bill, separate from the HOA. Confirm the current assessment per parcel.

What does the HOA cover versus the CDD?

The HOA generally covers the amenity center and common areas, while the Charles Cove CDD assessment funds infrastructure such as stormwater, roads, and street lighting through the tax bill. Confirm both lines and the combined carrying cost per parcel from the listing and closing documents.

What home types are available?

Listing guides describe an Express series on narrower lots and larger D.R. Horton plans on wider lots, generally three to five bedrooms and roughly 1,500 to 2,750 square feet with two-car garages and block construction. Confirm the exact plan, size, and lot for any specific home.

What amenities does Charles Cove have?

Listing guides describe resort-style amenities including a clubhouse, swimming pool, fitness center, a community park or playground, and walking or jogging trails. Confirm the current amenity access and any rules with the HOA, since amenities and policies can change.

When was Charles Cove built?

Listing guides describe the community as built out roughly 2020 to 2024 by D.R. Horton (Central Florida listing guides, 2026). That makes it recent construction, so verify the warranty status on the specific home.

What schools serve Charles Cove?

It is part of Polk County Public Schools, with assignment by address that can change. Confirm the exact zoned elementary, middle, and high schools for the specific home, and note that magnet and choice options may apply.

Do I need flood insurance?

It depends on the FEMA flood zone for the specific lot, and pond or conservation lots can carry drainage considerations. Always check the flood zone, the lot drainage, and any insurance requirement for the exact home before you buy.

What is the carrying cost like?

Beyond the mortgage and county taxes you carry the HOA dues and the Charles Cove CDD non-ad valorem assessment, plus homeowners and any flood insurance. The combined number, not the HOA dues alone, is the real carrying cost. Confirm all lines per parcel.

What is nearby?

The community is marketed as minutes from AdventHealth and near the US 27 and Interstate 4 corridor, with the Central Florida theme parks and Orlando a drive away. Confirm real drive times for your routine.

Is Charles Cove a good investment?

A newer production community with amenities and corridor access supports demand, but this is a production build with a CDD, so the plan, the lot, and the combined HOA plus CDD carrying cost drive the outcome. This is not a guarantee of future value; read the documents and the math.

Is Charles Cove gated?

Some listing guides describe Charles Cove as a gated community. Confirm the current gate and access status with the HOA and the listing, since marketing descriptions can vary.

Is Charles Cove age-restricted?

No public records reviewed indicate an age restriction. Confirm the community type and any restrictions with the HOA documents for the specific home.

Who is the best real estate agent for Charles Cove?

The best agent for Charles Cove is one who actively works Davenport and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Charles Cove.

How do I find a top Davenport real estate agent who knows Charles Cove?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Charles Cove and the wider Davenport area.

Can Momentum Realty connect me with an agent for Charles Cove?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Charles Cove purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Charles Cove?

An honest fit check. We will tell you when it is not your community.

Buyers who want a newer production home with resort amenitiesExcellent fit

Buyers who value block construction and builder smart-home featuresExcellent fit

Commuters who want US 27 and Interstate 4 access toward OrlandoExcellent fit

Buyers who will read the HOA and the CDD assessment per parcelExcellent fit

Buyers who want a lower-maintenance home with shared amenitiesExcellent fit

Buyers who want a custom or one of a kind home on acreageProbably not

Anyone unwilling to verify the HOA dues and CDD assessment per parcelProbably not

Buyers who want an established mature-tree neighborhood with large lotsProbably not

Buyers who want to avoid a CDD assessment on top of taxes and HOAProbably not

Buyers unwilling to verify the flood zone and lot drainage per parcelProbably not

Get the inside read on Charles Cove

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Charles Cove home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Charles Cove specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing; deemed reliable but not guaranteed by MLS GRID.

Charles Cove Homes for Sale in Davenport, FL

The 60-Second Overview

Who Charles Cove is best for.

Best for

Probably not for

How Charles Cove is performing right now

Charles Cove on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Polk County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Charles Cove

Charles Cove CDD assessment on the tax bill

Maturing D.R. Horton resale market

Haines City and Davenport corridor growth

New-home supply competition

Recent block construction

Theme-park and AdventHealth proximity

Charles Cove Community Development District established by ordinance

The Charles Cove buying strategy.

The full read, only if you want it.

What your money buys in Charles Cove.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Charles Cove holds value.

5 Mistakes Buyers Make in Charles Cove

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Charles Cove is different.

Which Lots & Views Hold Value Best

Charles Cove in 15 seconds.

HOA Dues, the CDD Assessment & What They Cover

Tools for a Charles Cove buy.

Price to the plan, the lot, and the combined carrying cost, not a community average.

In Charles Cove, condition and view decide your number

What is your Charles Cove home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Charles Cove Market Scorecard

Frequently Asked Questions

Should you buy in Charles Cove?

Get the inside read on Charles Cove

You are all set.

Need to sell fast in Polk County?

You just read the data. Now see what your home is worth.

More Davenport & Kissimmee, St. Cloud & Osceola County guides