Taxes & Insurance in Celebration
Celebration sits in Osceola County for property-tax purposes, but its total housing cost is unusual because mandatory CROA dues (and possibly a CDD assessment, per disputed sources) layer on top of the standard county tax bill.
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Learn moreProperty taxes
Osceola County's 2025 total millage runs approximately 15.23 mills, of which about 6.40 mills funds schools; the county's general-fund millage of 6.7 mills has held flat for a 15th consecutive year per county officials. On a $350,000 homesteaded property with the standard $50,000 exemption, that works out to roughly $4,730 per year (about $394/month), an effective rate near 1.35% of value -- though Celebration's typically higher home values mean actual bills for a median Celebration home run well above that example.
CROA dues and the CDD question
CROA dues typically run $280-$490 per month, mandatory for all homeowners. Sources genuinely disagree on whether a separate CDD (Community Development District) assessment also applies: one source states there is no separate CDD in Celebration, while a history of the community describes a CDD established under Florida law in 1994 that helped govern its development. This is disclosed here as an open question rather than resolved -- buyers should request the specific, current fee schedule (CROA dues, any CDD assessment, and any village-specific HOA) for an exact address before making cost assumptions.
Insurance
Homeowners insurance specific to Celebration typically runs $1,800-$3,500 per year. Flood insurance averages around $600/yr community-wide (as low as $400-$800/yr in lower-risk zones), with FEMA's Risk Rating 2.0 pricing based on individual property characteristics like elevation and proximity to water -- Central Florida's dense lake and wetland network means this varies significantly lot to lot even within Celebration.
Key takeaways
- Osceola County's 2025 total millage runs about 15.23 mills; the county general-fund portion (6.7 mills) has held flat for 15 straight years.
- CROA dues ($280-$490/month) are mandatory; whether a separate CDD assessment also applies is genuinely disputed across sources -- verify per-address before budgeting.
- Homeowners insurance runs $1,800-$3,500/yr and flood insurance averages around $600/yr, both varying by specific lot and elevation.
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