| HOA dues | ≈$545–$605 / monthArrives as three stacked bills — Retreat, Master and Oasis Club — plus a $2,000 capital contribution at closing. Listings almost always quote only one of the three.Adopted association schedules, via VHG Resort Cost Index · verified Aug 2026 |
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| CDD assessment | $1,300–$2,800 / yearVaries by lot and by which bond series funded your phase. Get the figure for the specific parcel from the district manager.Adopted district budgets, by lot and bond series, via VHG Resort Cost Index · verified Aug 2026 |
| Minimum lease term | No published minimumUnconfirmed — verify with the associationNightly rental is the norm in The Retreat. Confirm in the recorded governing documents and the estoppel during your inspection period.Association documents and community site, via VHG community research · verified Aug 2026 |
| Short-term rental position | Permitted in The Retreat onlyThe Country Club, Stoneybrook and Stoneybrook South villages do not allow nightly rental, and sources conflict on which Vistas townhome phases do. Buying in the wrong village ends the rental plan entirely.County zoning and association documents, via VHG community research · verified Aug 2026 |
| Combined lodging tax | 13.5% combined6% state sales tax + 1.5% discretionary surtax + 6% tourist development tax. Osceola is not contracted with Airbnb or Vrbo for the 6% TDT — no platform files it for you, and every owner self-remits monthly.Osceola County Tax Collector + Florida DOR · verified Aug 2026 |
| Nightly rate (market proxy) | ≈$300–$700 / night (large homes)Unconfirmed — verify with the association5+ bedroom homes dominate here, which is why the range runs above the blended market figure. Market-level proxy, not a measured community set.FunStay ChampionsGate rate guide (May 2026); Davenport market $255–$291 AirDNA / AirROI TTM · mid-2026 |
| Occupancy (market proxy) | ≈40–55%Unconfirmed — verify with the associationPeak is February–April; July, September and October are the trough. Market-level proxy.Davenport market range across providers, AirDNA / AirROI TTM · mid-2026 |
ChampionsGate is really two communities behind one set of gates. The Retreat is the Lennar-built vacation section where short-term rental is the intended use, guests get two waterparks, and every home has a private screened pool. The Country Club, Stoneybrook and Stoneybrook South are residential and do not permit nightly rental. They share a name, a postcode and an entrance, and they are not interchangeable.
The address says Davenport; the parcel is in Osceola County. ZIP 33896 straddles the county line, so a mailing address tells you nothing about which tax stack applies. It matters: Osceola's combined lodging tax is 13.5% against Polk's 12%, and Osceola has no platform agreement for the 6% tourist development tax — so unlike some counties, nobody files that portion for you.
The dues structure is the thing that catches buyers. Retreat dues, master association dues and the Oasis Club charge arrive separately, and a listing quoting “$545 a month” is usually quoting one of them. Add the $2,000 capital contribution at closing and a CDD assessment that varies by bond series, and the real carrying cost is materially above the advertised figure. Dues do buy a lot here — Spectrum internet and cable, full lawn care, daily valet trash, nightly security patrol and townhome exterior maintenance — which genuinely simplifies owning from out of state.
Figures are current as of the dates shown and change. HOA schedules, district budgets and the leasing article of the recorded declaration must be confirmed for the specific parcel and village before you rely on them. Rate and occupancy figures are market-level proxies, not measured community performance.