If you want to live "in" Disney, you are looking at the Golden Oak community, an ultra-luxury residential enclave located on Walt Disney World property in Florida. In 2026, the cost of entry is extremely high, with homes typically starting at $5 million and reaching over $15 million. These are custom-built estates in neighborhoods like Carolwood, Marceline, and Kingswell. Beyond the purchase price, residents must pay significant annual Homeowners Association (HOA) fees, which can exceed $25,000 to $30,000 per year. These fees cover maintenance and membership in the "Golden Oak Club," which provides private shuttle transportation to the parks, exclusive lounge access, and "Extra Magic Hours." While the price is steep, the homes feature subtle "hidden Disney" details in the architecture and landscaping, and the location is unrivaled for Disney enthusiasts. The community is gated and maintained to Disney’s exacting "four-diamond" standards. Because the inventory is very limited and demand remains high among the global elite, these properties are considered some of the most exclusive real estate in the United States, often sold before they even hit the public market through a dedicated Disney-run real estate office.