No HOA, No CDD. Standard upgrades include: Energy Star SS Appliances, top-of-the-line 15-16 Seer AC, luxury tile plank flooring, quartz countertops, LED lighting, 36 soft-close cabinets, an open floor plan with 94" ceilings and a tray ceiling in the master, an electric water heater, a covered lanai, an irrigation system, an owned water softener, rain gutters over the septic area, hurricane shutters, and low-E double-pane energy-efficient windows. Photos are from a previously built model.