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Charles Cove Resident Resource Hub

Everything Charles Cove residents look up — HOA & CDD info, amenities, schools, county and utility links, and local essentials — gathered in one place. This is an independent neighborhood resource, not the official HOA, CDD, or county site, so please verify any detail with the official sources we link to.

Quick Links

Official resources, all in one place

The county, school, and community links Charles Cove residents reach for most. These open the official sites in a new tab — always treat them as the source of truth.

Community Governance

Charles Cove HOA & CDD — official sources

The community's own official channels and public documents. Always treat these as the source of truth over anything summarized on this page.

This page is an independent Charles Cove homeowner resource. It is not the official website of the Charles Cove HOA, Charles Cove CDD, D.R. Horton, Polk County, Polk County Public Schools, or the City of Davenport. HOA, CDD, school, tax, property, and community information should be verified directly with the appropriate official source before making a real estate decision.

Who Handles What

HOA vs CDD — a quick reference

Charles Cove has both a Homeowners Association and a Community Development District. They cover different things, and some responsibilities overlap. Here's the general picture for a community like this one.

TopicTypically HOATypically CDD
Architectural / deed restrictionsYes
Common-area landscapingSometimesSometimes (overlap)
Roads & sidewalk repairYes
Stormwater / ponds / aquaticsYes
Street lightingYes
Amenity center rules & accessOftenOften (overlap)
Annual assessmentsYesYes

For the 2026 fiscal year, the Charles Cove CDD's on-roll assessments total $865,306.58. The CDD's Board of Supervisors sets these assessments annually at public meetings, so amounts can change year to year. For the full breakdown of how the HOA and CDD differ — and what each fee covers — see our HOA & CDD guide.

Responsibilities vary — verify with the HOA & CDD directly

Community Amenities

What's on offer inside Charles Cove

Charles Cove is built around resort-style, family-friendly amenities. Hours, access, and reservation rules are set by the community — check the amenity center for the current schedule.

See the community guide
  • Clubhouse
  • Swimming pool & pool deck
  • Fitness center
  • Community park
  • Playground
  • Walking/jogging trails
  • Sidewalks
  • Multi-purpose field
Illustrative: a couple walking a dog along a tree-lined community sidewalk at golden hour
Illustrative image
Schools

Verify your assigned schools by address

School zoning in Polk County can vary by exact address and may change over time. Charles Cove residents should verify assigned schools directly through the Polk County Public Schools Address Zoning tool.

The Location

Charles Cove, Davenport FL 33837

Charles Cove sits in the fast-growing US-27 corridor of Polk County, with quick access to the Disney/Orlando attractions economy while keeping a quieter, residential feel. A few essentials nearby:

  • Posner Park — shopping, dining & a movie theater
  • ChampionsGate — golf, restaurants & entertainment
  • AdventHealth medical corridor for care & services
  • US-27 & I-4 for an easy Orlando-area commute
Stay Connected

Got a question, or something to add?

This hub is built for and by the Charles Cove community. If a link is out of date, you have a resource to suggest, or you just want to stay in the loop, reach out or join the neighborhood list — we'd love to hear from you.

Join the Neighborhood List