In my experience, the HOA fees field can be pretty confusing when their are multiple fees. There are really not good guidelines from the MLS on how to handle them. Celebration is especially complicated, as Vanessa indicates in her answer. Always check with your realtor as to exactly what they are.

PS. Hi Vanessa. (We used to be neighbors in Artisan Park in Celebration)

Dear Steve
Celebration has what you would call a Master Association fee, which we call CROA (Celebration Residential Owners Association). The fee is actually $1090.16/YEAR (which is $824 + 266.16 for Trash)
Each unit in Georgetown then has a "condominum" fee and will vary based on the size and square footage.
If you have any particular questions about Celebration and/or would like to see some of the bank owned/foreclosured properties, please let me know and I would be more than happy to assist you.
You can call me at 407-973-2414 or e-mail me at: INFO@DestinationCentralFlorida.com
Happy house hunting!
Kindest regards,
Vanessa Franz Barnes - Realtor/Broker-Associate
Keller Williams Realty
CIPS, TRC, RSPS