If you are shopping for a home around Tampa Bay, you have probably noticed two different fees attached to listings and wondered why. One is a Community Development District (CDD) assessment. The other is a homeowners' association (HOA) fee. The names sound close enough that buyers tend to treat them as the same thing, and the two often turn up in the same neighborhood. Out-of-state buyers rarely meet this combination before moving to Florida. Knowing the difference changes how you read a monthly budget and how you compare two homes that look identical on paper. Highlights A Community...