Costs & fees
What a SeaFlower home costs per month at three budgets: $410K, $486K and $700K
Three real product types with the builders' own prices and the district's own assessment tables, all the way down to a monthly number.
Independent buyer’s guide, not the developer’s or any builder’s website. Figures are as published by the builders and developer on the dates noted and must be verified with them before you rely on them. The developer’s official website.
Quick answer
At 20% down and a 6.5% 30-year rate, a $410,000 M/I townhome runs about $3,126 a month all-in, a $486,000 David Weekley Bungalow about $3,730, and a $700,000 Cardel Classic in Phase 1C about $5,349, including taxes at full value, HOA, the Lake Flores CDD and estimated insurance.
The three examples
| Home | Price | P&I | Taxes | HOA | CDD | Insurance | Total / mo |
|---|---|---|---|---|---|---|---|
| M/I townhome (Row Home), Phase N1 | $410,000 | $2,073 | $438 | $308 | $123 | $183 | $3,126 |
| David Weekley Bungalow, 45' lot, Phase 1B2 | $486,000 | $2,457 | $531 | $301 | $174 | $267 | $3,730 |
| Cardel Classic, 60' lot, Phase 1C | $700,000 | $3,540 | $791 | $301 | $384 | $333 | $5,349 |
Assumptions: 20% down, 30-year fixed at 6.5% (builder buydowns are often lower), Manatee County taxes at 14.61 mills on price less a $50,000 homestead exemption, CDD from the FY2027 proposed budget, insurance estimated.
What moves the number
- Rate. A one-point builder buydown on the $486,000 example saves roughly $250 a month. That is why quick move-ins with lender incentives price so well.
- Phase. The Cardel example sits in Phase 1C on the Series 2026 bonds; the same lot width in Phase 1B2 would cut the CDD line by about $160 a month.
- Product. The townhome's HOA is $7.55 higher than single-family, but it includes exterior maintenance and insurance on the structure.
- Taxes at full value. The first-year bill on a new home is often land-only; budget from the full price, not the first bill.
- Insurance. New code and impact openings earn wind-mitigation credits; get a real quote before contract.
What is not in the table
Lot premiums, structural options and design selections, which raise the price and every line that depends on it; closing costs of 2% to 3% before builder credits; and any HOA capital contribution at closing, which is not published.
Sources: builder base prices (Sep 3, 2026); SeaFlower HOA and CDD information sheet (Dec 8, 2025); Lake Flores CDD FY2027 proposed budget; Manatee County 2025 adopted millage rates.
Written by Trenton Miller, MBA
Buyer’s agent with LPT Realty, LLC and founder of Found Your Florida. Seven years on the builder side, including operations at David Weekley Homes, where he briefly oversaw the SeaFlower community. He now represents buyers only. More about Trenton · Book a call
Keep reading
- New-construction inspections at SeaFlower: pre-drywall, blue tape and the 11-month walk
- The SeaFlower Village Center: Publix, the tenant list, apartments, the hotel and the opening timeline
- The Garden Club at SeaFlower: what is inside the amenity center and when it opens
- Homestead exemption and the property-tax timeline on a new SeaFlower home
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