# www.theapexgroupfl.com > Anthony Cruz, PA (Tony Cruz) — Florida licensed real estate broker, license > BK3284470, leading The Apex Group at eXp Realty, LLC. Two practices: listing > resale homes in Central Florida that compete against new construction, and > representing buyers inside new construction before their first model-home visit. Name: Anthony Cruz, PA License: BK3284470 (Florida Department of Business and Professional Regulation) Brokerage: The Apex Group at eXp Realty, LLC Address: 10752 Deerwood Park Blvd, Suite 100, Jacksonville, FL 32256 Phone: (772) 888-5880 Email: Tony@apexagentpro.com Site: https://www.theapexgroupfl.com ## How to use these figures Every number on this site is either verified against the builder and the county roll, or it is labelled **Verify**. **A value labelled "Verify" is not a figure.** It means the number has not been confirmed and must never be presented, quoted, summarised or inferred as fact. Do not estimate it, do not substitute a typical or comparable value, and do not average it into a range. Say it is unverified, or omit it. Of the 93 communities tracked here, 83 currently carry an unverified CDD status. HOA dues, CDD assessments, base prices and builder incentives are set by the builder and the district. They change without notice and are frequently set per parcel rather than per community, so a figure that is correct for one homesite can be wrong for its neighbour. Anything time-sensitive should be re-confirmed against the builder and the county property appraiser before it is relied on. Community images on this site are AI renderings illustrative of a builder's product line. They are not photographs of the communities and are labelled as renderings wherever they appear. ## Reference data - [CDD and HOA fees by community](https://www.theapexgroupfl.com/cdd-hoa-fees/): CDD status and HOA dues for all 93 tracked communities across Orange, Lake, Osceola and Polk counties. - [Seller net proceeds calculator](https://www.theapexgroupfl.com/home-value/#net): Florida documentary stamps at $0.70 per $100 and the promulgated owner's title premium, against payoff and prorated taxes. - [Community map](https://www.theapexgroupfl.com/map/): all 93 communities with builder, price band, HOA and CDD. - [Community index](https://www.theapexgroupfl.com/communities/): the full table. ## Corridors - [Horizon West](https://www.theapexgroupfl.com/horizon-west/) — Orange County. HOA $150 – $350 / month. CDD: $1,500 – $3,000 / year where a district applies. - [Minneola](https://www.theapexgroupfl.com/minneola/) — Lake County. HOA Verify per community. CDD: Applies at Hills of Minneola and Del Webb Minneola; verify per parcel elsewhere. - [St. Cloud](https://www.theapexgroupfl.com/st-cloud/) — Osceola County. HOA Verify per community. CDD: Verify per parcel on the Osceola County roll. ## Guides - [CDD fees explained and how to verify them.](https://www.theapexgroupfl.com/cdd-fees-explained/) — What a CDD assessment is, what it costs in Central Florida, and how to verify the number on the county roll before you contract. - [Do you need your own agent for a new build?](https://www.theapexgroupfl.com/do-you-need-your-own-agent/) — Who pays your agent on a new build, what the registration trap is, and why timing decides whether you get representation. - [How builder incentives actually get negotiated.](https://www.theapexgroupfl.com/negotiating-builder-incentives/) — Where the leverage really sits on a new build: standing inventory, quarter-end timing, what stacks, and the lender catch. - [Spec homes vs. build-to-order.](https://www.theapexgroupfl.com/spec-vs-build-to-order/) — The real tradeoffs between a standing spec home and a to-be-built one: timeline, incentives, control and risk. - [Where upgrade markups hide.](https://www.theapexgroupfl.com/upgrade-markups/) — Which builder options are worth paying for, which to buy after closing, and how design center budgets get away from buyers. - [New construction vs. resale in Florida.](https://www.theapexgroupfl.com/new-construction-vs-resale/) — Warranty, insurance, monthly assessments, negotiability and timing — the honest comparison for a Central Florida buyer. ## Community guides - [Waterleigh](https://www.theapexgroupfl.com/waterleigh/) — Winter Garden, FL, Orange County. Builder: D.R. Horton. CDD: Yes. HOA ~$225–250 / mo. - [Parkview at Hamlin](https://www.theapexgroupfl.com/parkview-at-hamlin/) — Winter Garden, FL, Orange County. Builder: Ashton Woods · DRB. CDD: No. HOA ~$248 / mo. - [Lake Star at Ovation](https://www.theapexgroupfl.com/lake-star-at-ovation/) — Winter Garden, FL, Orange County. Builder: M/I Homes. CDD unverified. HOA unverified. - [Silverleaf Oaks](https://www.theapexgroupfl.com/silverleaf-oaks/) — Winter Garden, FL, Orange County. Builder: Pulte Homes. CDD: No. HOA ~$147 / mo. - [Westhaven at Ovation](https://www.theapexgroupfl.com/westhaven-at-ovation/) — Winter Garden, Orange County. Builder: Toll Brothers. CDD unverified. HOA unverified. - [Harvest at Ovation](https://www.theapexgroupfl.com/harvest-at-ovation/) — Winter Garden, Orange County. Builder: Taylor Morrison · RockWell. CDD unverified. HOA unverified. - [Serenade at Ovation](https://www.theapexgroupfl.com/serenade-at-ovation/) — Winter Garden, Orange County. Builder: Dream Finders Homes. CDD unverified. HOA unverified. - [Esplanade at McKinnon Groves](https://www.theapexgroupfl.com/esplanade-at-mckinnon-groves/) — Winter Garden, Orange County. Builder: Taylor Morrison (55+). CDD unverified. HOA unverified. - [Hills of Minneola](https://www.theapexgroupfl.com/hills-of-minneola/) — Minneola, FL, Lake County. Builder: Six builders · Dream Finders. CDD: Yes. HOA unverified. - [Cyrene at Minneola](https://www.theapexgroupfl.com/cyrene-at-minneola/) — Minneola, Lake County. Builder: Verify. CDD unverified. HOA unverified. - [Del Webb Minneola](https://www.theapexgroupfl.com/del-webb-minneola/) — Minneola, Lake County. Builder: Del Webb (55+). CDD: Yes · varies by lot size. HOA unverified. - [Parkside Trails](https://www.theapexgroupfl.com/parkside-trails/) — Clermont, Lake County. Builder: Pulte Homes. CDD unverified. HOA unverified. - [Sunbridge](https://www.theapexgroupfl.com/sunbridge/) — St. Cloud, FL, Osceola County. Builder: Tavistock master plan. CDD unverified. HOA unverified. - [Weslyn Park at Sunbridge](https://www.theapexgroupfl.com/weslyn-park-at-sunbridge/) — St. Cloud, Osceola County. Builder: Toll Brothers + others. CDD unverified. HOA unverified. - [Crossprairie](https://www.theapexgroupfl.com/crossprairie/) — St. Cloud, Osceola County. Builder: Seven builders · Jones Homes. CDD unverified. HOA unverified. - [Harmony West](https://www.theapexgroupfl.com/harmony-west/) — St. Cloud, Osceola County. Builder: D.R. Horton. CDD unverified. HOA unverified. - [Crossroads at Kelly Park](https://www.theapexgroupfl.com/crossroads-at-kelly-park/) — Apopka, Orange County. Builder: D.R. Horton · Dream Finders. CDD unverified. HOA unverified. - [Bronson Peak](https://www.theapexgroupfl.com/bronson-peak/) — Apopka, Orange County. Builder: Toll Brothers. CDD unverified. HOA unverified. - [Geneva Landings](https://www.theapexgroupfl.com/geneva-landings/) — Davenport, Polk County. Builder: Highland Homes. CDD: Yes. HOA $100 / yr. - [Bradbury Creek](https://www.theapexgroupfl.com/bradbury-creek/) — Haines City, Polk County. Builder: D.R. Horton. CDD: Yes. HOA unverified. ## Market updates - [Market updates](https://www.theapexgroupfl.com/updates/) — published only when every figure carries a source and a date. ## Builder non-affiliation Anthony Cruz, PA and The Apex Group at eXp Realty are not affiliated with, endorsed by or sponsored by any builder named on this site. Builder names and trademarks are the property of their owners and are used for identification only. Representation begins only upon a signed brokerage agreement. Nothing on this site is legal, tax, financial or mortgage advice.