CantaMia HOA Fees Explained
CantaMia is a 55+ community inside the larger Estrella master plan in Goodyear, and that location is the key to understanding its fees. Like Victory at Verrado and Heritage at Asante, CantaMia has a layered structure: you pay the CantaMia community assessment plus an Estrella master association fee on top. The community fee on its own understates the real monthly cost. There are also several one-time fees at closing that add up to more than buyers expect. Here is the full picture before you make an offer.
Below is the verified 2026 fee breakdown for CantaMia, what each layer covers, and the things buyers most often get wrong. After 20 plus years working active adult communities across the Phoenix area, my goal here is to help you see the real combined cost, not just the base community fee.
CantaMia Fee Breakdown
Verified May 2026 using figures provided directly by the HOA. Fees are reviewed annually, and new construction handles disclosures differently than resale. Always reconfirm in the resale disclosure packet before making an offer.
The CantaMia community assessment, the fee most buyers see first. It funds the 29,000 square foot Village Center, the gated entries, the lakeside amenities including the Yacht Club, and CantaMia's clubs and programming.
The Estrella master association fee, added on top of the CantaMia community fee. It maintains the broader Estrella master plan's shared infrastructure, parks, and trails. It is mandatory and is the piece buyers most often overlook.
The CantaMia community assessment and the Estrella master fee together. This is the number to budget from, not the base community fee alone.
On a resale, the buyer's one-time costs at closing include a community enhancement fee ($500), a working capital contribution ($2,088), a reserve contribution ($2,088), an ownership startup fee ($50), and a resale disclosure fee ($400), about $5,126 in total. This is a substantial amount of cash to close, so plan for it from the start.
Prepaid assessments collected up front at closing to fund your account going forward. This is prepayment of your own dues rather than an extra fee, but it is cash due at closing on top of the one-time fees above.
Golf is not part of the HOA fee, and the course is not inside CantaMia. The Golf Club of Estrella, an 18-hole Nicklaus Design course managed by Troon, sits about three miles away within the larger Estrella master plan, with discounted resident rates. Budget golf separately if you plan to play.
The thing most buyers miss: the Estrella master fee, and the size of the closing costs. The CantaMia community fee looks like $265 a month, but the Estrella master fee of $83 is added on top, so the real recurring cost is $348 a month. At closing, the one-time fees total about $5,126 (community enhancement, working capital, reserve contribution, startup, and disclosure), plus a $696 prepaid assessment. Budget from the combined monthly figure and the full closing total, not the base community fee alone.
How the Layered Structure Works
CantaMia is the 55+ active adult portion of the Estrella master plan, a large lake-oriented community in Goodyear. As a CantaMia homeowner you pay into both the CantaMia community association, which funds the age-qualified amenities like the 29,000 square foot Village Center and the lakeside Yacht Club, and the Estrella master association, which maintains the broader community's parks, trails, and shared infrastructure. This is the same layered model used at Victory at Verrado and Heritage at Asante, where a master fee sits on top of the community fee.
One nuance specific to CantaMia: residents have full access to their own Village Center, the Yacht Club, and Estrella's parks and trails. But some amenities in other Estrella villages, such as the Starpointe and Presidio club pools and fitness centers, require a separate Estrella resident pass. So when you compare amenity access, be clear about what your CantaMia and master fees include versus what costs extra.
How CantaMia Compares to Other 55+ Communities
On real combined monthly cost, CantaMia lands in the upscale resort tier at $348 a month, near the top alongside Trilogy at Vistancia (about $340) and above PebbleCreek (about $294), Heritage at Asante (about $254), and Victory at Verrado (about $258). It is well above the mid-range communities like Sun City Grand (about $165) and the original Sun City communities (around $50 to $57). What you are paying for is the lakefront setting, the Village Center, and access to the broader Estrella amenities.
On one-time costs, CantaMia is on the higher end. The roughly $5,126 in closing fees is more than communities like Sun City Festival (about $1,080 capital fee) and in the range of the larger CARE fees at PebbleCreek or the Sun City communities. Combined with the layered monthly structure, CantaMia is one of the more expensive communities to enter and to hold, so it suits buyers who specifically want the lake lifestyle and are budgeting accordingly.
To see exactly how CantaMia lines up against 14 other West Valley active adult communities on base fees, master fees, one-time fees, and amenities, use our full comparison tool, linked at the bottom of this page.
What Buyers Get Wrong About CantaMia Fees
Budgeting off the community fee alone
The most common mistake is seeing the $265 community assessment and assuming that is the monthly cost. The Estrella master fee of $83 is mandatory and added on top, so the real number is $348. Always budget from the combined figure.
Underestimating the closing costs
CantaMia's one-time fees are substantial: about $5,126 between the community enhancement fee, working capital, reserve contribution, startup, and disclosure fees, plus a $696 prepaid assessment. Buyers who only look at the monthly fee are often surprised by the cash needed at closing. Plan for it well in advance.
Assuming golf and all Estrella amenities are included
The Golf Club of Estrella is about three miles away and is not part of the HOA fee. And some Estrella village amenities, like the Starpointe and Presidio clubs, require a separate resident pass. Your CantaMia and master fees cover the Village Center, Yacht Club, and Estrella's parks and trails, but not everything. Confirm exactly what is included for the lifestyle you want.
CantaMia HOA FAQs
How much are HOA fees at CantaMia?
CantaMia has two monthly assessments: a community assessment of $265 and an Estrella master assessment of $83, for a real combined cost of $348 a month. On a resale there are also about $5,126 in one-time fees at closing, plus a $696 prepaid assessment. Always confirm the current figures for the specific home in the resale packet.
Why does CantaMia have two HOA fees?
CantaMia is the 55+ community within the larger Estrella master plan. As a homeowner you pay the CantaMia community association fee for the age-qualified amenities like the Village Center and Yacht Club, and the Estrella master association fee for the broader community's parks, trails, and shared areas. Both are mandatory. This is the same layered structure used at Victory at Verrado and Heritage at Asante.
What are the one-time fees at closing for CantaMia?
On a resale, the buyer's one-time fees total about $5,126, including a community enhancement fee of $500, a working capital contribution of $2,088, a reserve contribution of $2,088, an ownership startup fee of $50, and a resale disclosure fee of $400. There is also a prepaid assessment of about $696. These are on the higher end for the West Valley, so plan for them as cash to close.
Is golf included at CantaMia?
No. The Golf Club of Estrella, an 18-hole Nicklaus Design course managed by Troon, is about three miles away inside the larger Estrella master plan, not inside CantaMia's gates. It offers discounted rates for Estrella residents, but golf is a separate cost from the HOA. Most CantaMia residents who golf use that course.
What amenities do the CantaMia fees include?
The CantaMia community fee covers the 29,000 square foot Village Center, the gated entries, and the lakeside amenities including the Yacht Club, plus the community's clubs and programming. The Estrella master fee adds access to Estrella's parks and trails. Some amenities in other Estrella villages, such as the Starpointe and Presidio club pools and fitness centers, require a separate Estrella resident pass.
Who built CantaMia and how big is it?
CantaMia was built by Taylor Morrison and is planned for about 1,700 homes, smaller and more intimate than communities like PebbleCreek (about 6,200) or Sun City Grand (about 9,800). It trades scale for a lakefront setting, a single Village Center, and proximity to Estrella's lakes and trails.
Does CantaMia have a master HOA fee?
Yes. The Estrella master association fee of $83 a month is added on top of the $265 community assessment. This is what makes the real monthly cost $348 rather than the $265 headline figure. It is the same kind of layered structure you find at Victory at Verrado and Heritage at Asante.
Compare Communities and Plan Your Move
If you are weighing CantaMia against other active adult communities, or just starting to map out a move to the area, these resources will help:
Thinking About CantaMia?
The community fee, the Estrella master fee on top, the substantial closing costs, and the separate golf and amenity access add up to a more detailed picture than most online listings show. The Loving Phoenix Team specializes in CantaMia and the West Valley's active adult communities. We can walk you through the real numbers on any home you are considering. No pressure, just a straightforward conversation.
Please verify before relying on these figures. The fees on this page were verified in May 2026 using figures provided directly by the HOA. The community assessment, the Estrella master fee, the one-time fees at closing, and the prepaid assessment change over time and vary by home. New construction handles fees and disclosures differently than resale. This page is provided for general comparison and educational purposes only and is not a substitute for the official resale disclosure packet provided at the time of purchase. Always confirm current figures directly with the CantaMia and Estrella associations or with the Loving Phoenix Team before making an offer.