ChampionsGate is a golf mega-community built around 36 holes of Greg Norman golf and the Omni resort — and The Retreat is its short-term-rental section, where nightly rental is the intended use, guests get two full waterparks, and owners carry three stacked HOA bills plus a CDD. Here's the whole picture: real costs, real rules, and honest rental math.
ChampionsGate is really two communities behind one set of gates: The Retreat — the Lennar-built vacation section where short-term rental is the intended use — and the residential Country Club, Stoneybrook, and Stoneybrook South villages, where nightly rental is not allowed. This page is about The Retreat. Its calling card is scale nobody else in the corridor matches: two full resort amenity centers, championship golf on-site, and homes up to 8–9 bedrooms.
The Oasis Club and the Retreat Club (expanded 2023) give guests two separate resort amenity centers — lazy river, water slides, splash zones, mini golf. Most competing resorts have one.
A lazy river reported at 1,023 feet, a 26-seat movie theater showing first-run films, and air-conditioned rentable cabanas with TVs and bathrooms — unusual even for the Disney corridor, and great listing-photo material.
36 holes of Greg Norman-designed golf by the Omni plus the Country Club course inside the gates. No other STR resort in the corridor has this golf footprint — Reunion is the closest comp.
Retreat dues cover Spectrum internet/cable/phone, full lawn care, daily valet trash, a nightly security patrol, and townhome exterior maintenance — which genuinely simplifies owning from out of state or overseas.
Lennar built up to 8-bedroom plans (resales up to 9), every Retreat home has a private screened pool, and 5+ bedroom homes dominate the market — the large-group niche where nightly rates run highest.
Plan on ~25 minutes to Disney — farther than Windsor Island or Storey Lake — and a heavier fee stack than most competitors: three HOA bills plus a CDD. What you get back is amenity scale and the Omni's hotel-grade dining and golf next door.
As of August 2026, Retreat at ChampionsGate owners pay three stacked HOA bills totaling roughly $545–$605 per month — the Retreat association's 2026 dues of $343–$402 plus a Master Association fee of about $98 and Oasis Club dues of about $104 — along with a $2,000 one-time capital contribution at purchase and a CDD assessment of roughly $1,300–$2,800 per year on the tax bill. Budget all four lines, not just the mortgage.
Sources: Retreat at ChampionsGate Community Association 2026 dues schedule (retreatcg.com), Stoneybrook South CDD FY24/FY26 adopted budgets, and third-party agent data for the Master Association, Oasis Club, and capital-contribution figures (verify with the associations — fees change annually). Price bands are estimates pending live MLS comps. Compare these costs across all 15 corridor resorts in our Resort Cost Index.
Retreat owners and their rental guests get the Oasis Club, the Retreat Club, and the Masters Association facilities — plus a discount code for the Country Club golf course. The Plaza is for Country Club residents only.
Amenity list from the Oasis Club, Retreat community, and Masters Association official pages (Aug 2026). Oasis Club facility hours run roughly 9 AM–9 PM daily; one guest source reports pools closing around 7 PM — confirm seasonally with the club. Oasis Club site plan courtesy of Lennar via Bardell Real Estate.
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The Retreat's Lennar-built lineup runs from vacation townhomes to 8-bedroom (and resale 9-bedroom) single-family homes — and every Retreat home has a private screened pool. The plans below are the original builder drawings; confirm any specific home's specs on the MLS listing, since options and elevations varied by phase.
The flagship large-group plan — the size class where ChampionsGate's nightly rates run highest and the two-waterpark pitch lands hardest.
Six bedrooms plus a bonus room — flexible space owners typically convert to a themed kids' room or extra sleeping capacity.
The efficient six-bedroom — big-group capacity in a slightly smaller footprint than the Fiji.
The entry point into Retreat single-family ownership — five bedrooms with the same private screened pool and full amenity access.
One of the original Lennar Retreat plans; bedroom count and square footage vary by phase, so verify against the specific listing.
Another original Lennar Retreat plan; verify bedroom count and square footage on the individual listing.
Townhome plan from the Retreat's vacation-townhome phases — townhome dues ($402/mo in 2026) include exterior maintenance of roofs and walls.
Sister townhome plan to the Beach Palm; verify layout and square footage against the specific listing.
Floor plans courtesy of Lennar via Bardell Real Estate & ChampionsGate Real Estate. Additional condo and townhome plans (Augusta, Turnberry, and more) are in the compiled builder brochure — View full brochure (PDF).
Straight talk: nobody publishes Retreat-specific performance data, and the “Davenport market average” of $27K–$31K a year blends thousands of smaller condos and townhomes into a market where 5+ bedroom homes are actually the majority of inventory. Large Retreat homes run well above the market average — here are the honest ranges and where each number comes from.
Sources: AirDNA and AirROI Davenport market data (TTM mid-2026), FunStay ChampionsGate rate guide (May 2026), and dated 2017–18 owner statements (proxy). Estimates only — results vary by bedroom count, theming, reviews, and management.
Market averages only tell half the story — especially here, where bedroom count changes everything. Our free community guide includes real numbers from self-managing owners and property managers who run homes inside ChampionsGate.
The Retreat sits in unincorporated Osceola County — the “Davenport” address is postal only, so Osceola's 13.5% lodging-tax stack applies, not Polk's 12%. (ZIP 33896 straddles the county line; confirm any specific parcel on the Osceola Property Appraiser.) Renting short-term in The Retreat is fully legal — you just need the right registrations. Our sister company handles all of this for owners.
Every community has trade-offs. These are the ones buyers should price in — and sellers should be ready to talk about.
Retreat owners pay three separate HOA bills (≈ $545–$605/mo combined), a CDD assessment of roughly $1,300–$2,800/yr on the tax bill, and a $2,000 capital contribution at closing — before electric, pool care, insurance, or the mortgage. Local buyer guides put it plainly: budget for HOA plus CDD, not just the mortgage. Get the estoppel and the parcel's actual tax bill before you write numbers into a pro forma.
Short-term rental permission is not uniform across the gate. The Retreat allows it by design; the Country Club, Stoneybrook, and Stoneybrook South villages do not allow nightly rental, and sources conflict on which Vistas townhome phases do. Buying in the wrong village kills the rental plan entirely — confirm the exact village and its governing documents before you write an offer.
Osceola County is not contracted with any booking platform, so the 6% Tourist Development Tax never gets filed for you — every owner self-remits monthly, with penalties starting at 10% (minimum $50) for late filing and zero returns required even for empty months. Owners coming from counties where Airbnb handles everything get caught by this constantly.
Neighborhood median sale prices are down 3–13% year-over-year depending on the source, some pockets show 200+ days on market, and one subdivision-level analysis found just 16% of homes owner-occupied. For buyers that's leverage; for sellers it means pricing, theming, and real rental numbers decide everything.
Orlando-area HOA fees rose about 16.7% year-over-year, driven largely by insurance. ChampionsGate's CDD O&M assessments were flat in the FY24 and FY26 adopted budgets, so recent cost pain has come from the HOA/insurance side — review the associations' current budgets during your inspection period. Smaller gripes worth knowing: Oasis restaurant prices run high with auto-gratuity, and guest-conduct fines have been reported at $500 per incident.
Farther than Windsor Island (~20 minutes) and Storey Lake. Some guests will filter you out on drive time; the counter-pitch is the two waterparks, on-site golf, and Omni dining — but be honest about the distance in your listing, because reviews will be.
Compiled from official association and CDD documents, county records, market data, and local buyer guides. Always verify current association budgets and disclosures during your inspection period — we can help you request them.
The master plan shows how the community divides: the Retreat townhomes, single-family homes, and villas (the short-term-rental sections) sit around the Oasis Club, with the residential Country Club and Estates areas on their own side of the gates. Initial entry runs through one of four manned gatehouses — Hwy 27, Westside, Leopard Creek, and Whistling Straits.
Community map courtesy of Lennar / the ChampionsGate developer.
Buying, not selling?
This guide covers what ChampionsGate is — the amenities, the floor plans, what it is like inside the gates. If what you need is whether the purchase works, John keeps a buyer’s breakdown on his agent site: HOA and CDD with their sources, the leasing rule, what to verify before you offer, and the calculator preloaded with this community’s figures.
See the ChampionsGate buyer’s breakdown →johnandrewhomes.com · Johnathon Candelario, Preferred SHORE
Whether you're buying your first vacation home or deciding if it's time to sell, talk to a team that operates short-term rentals across this corridor every week.
For additional information regarding purchasing a home in The Retreat at ChampionsGate, contact John at 407-750-2434 or contact us here.
If you own a home in ChampionsGate and are considering selling or have questions about the sales process, contact us here to find out how your home would benefit as a featured listing.
Must-have information for owners and prospective owners — the full HOA and CDD breakdown, real rental projections and historicals from owners and managers in the community, and what to check before you buy.
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