I know your post is old, but thought I'd pop in with a quick reply. I also live in Lithia, but not in Fishhawk. There are some lovely areas in which you can find resales or new construction and not have the HOA and CDD fees. Of course you then don't have the services that these communities provide, but in most cases they are within a short drive. I'd be happy to provide you with further information if you are still looking!
Let me explain what a CDD (Community Development District fee) is. When certain communities are developed a builder may or may not decide to put certian ammenities in place to be used by the future community owners. This would include feature like a community club house, swimming pool, recreational areas, playgrounds, etc...
The builder takes out a bond to pay for these ammenities, and in turn the owners pay back the bonds in the form of a monthly CDD fee. The CDD fee differs from what is called an HOA, or Home Owners Association fees. The HOA typically includes maintanence to the common areas shared by the community and may or may not include other services.
It is therefore important to decide if the use of these CDD facilities warrants an expense from you. If you find a home with a pool, are you really going to use the community pool? It really becomes a matter of preference to you.
There are other master planned communities that offer similar ammenities. Pasco County, for example where your tax rate is much lower than Hillsborough and could offset the extra expense of the CDD