Florida is known as a prime location for retirees and active adults, and it’s no wonder why. The state boasts warm weather year-round, a plethora of recreational activities, and a lower cost of living compared to many other retirement hotspots in the country. One popular option for older adults looking to settle down in Florida is a 55 plus community.

In this complete guide, we will answer some common questions about 55 plus communities in Florida, including eligibility, rules, and benefits.

What are 55 plus communities?

A 55 plus community is a type of residential neighborhood that is designed for individuals who are 55 years of age or older. These communities are specifically tailored to meet the needs and desires of older adults and often provide a range of amenities and activities, such as golf courses, swimming pools, fitness centers, and social clubs.

What are the rules for 55 plus communities in Florida?

Florida law allows 55 plus communities to establish rules that require at least one resident of each household to be 55 years of age or older. Communities can also establish rules regarding the number of days per year that guests under the age of 55 can stay, usually limited to 30 days per year. The rules can vary from one community to another, so it’s essential to do your research before committing to a community.

Can someone younger than 55 live in a 55 plus community in Florida?

Yes, there are exceptions to the age requirement in 55 plus communities. Under the Housing for Older Persons Act, a community can allow up to 20% of its residents to be under the age of 55. However, these exceptions are only allowed if the community meets specific requirements, such as providing amenities and services designed for seniors and adhering to a policy of “overwhelmingly occupied by persons who are 55 years of age or older.”

Who can live in a 55 plus community?

Typically, anyone who meets the age requirement can live in a 55 plus community. This includes single individuals, couples, and families, as long as at least one member of the household is 55 years of age or older.

What are the benefits of living in a 55 plus community?

Living in a 55 plus community offers a range of benefits, including:

  • A sense of community: These neighborhoods are often designed to foster social connections among residents. Residents can participate in a range of activities and events and enjoy the company of like-minded individuals.
  • Low-maintenance living: Many 55 plus communities offer services such as lawn care and maintenance, which can help free up time for residents to enjoy their retirement.
  • Access to amenities: These communities often provide a range of amenities, such as swimming pools, fitness centers, and walking trails, allowing residents to stay active and engaged.
  • Safety and security: 55 plus communities often have gated entrances and security patrols, providing residents with an added sense of safety and security.
  • Affordable living: In general, the cost of living in a 55 plus community is lower than in other retirement options, such as assisted living facilities.

Can you have kids living in a 55 plus community?

As a general rule, 55 plus communities are designed for older adults, and children are not allowed to live there full-time. However, there are exceptions to this rule, such as when a resident is providing care for a child under the age of 18.

Many 55-plus communities offer similar amenities, which include the security of a gated community, access to recreational activities such as golf, tennis, and pickleball, as well as social events and clubs. However, some communities cater to specific interests or demographics. Here are a few examples of 55-plus living categories:

  • Luxury: These communities offer high-end living options, such as luxury multi-bedroom houses, condominiums, and townhouses with top-of-the-line amenities. The communities are usually located in desirable areas and offer upscale facilities, such as spas, fitness centers, and fine dining restaurants.
  • Golf: Golf communities cater to golf enthusiasts who want to live close to the greens. These communities offer various golf courses, practice facilities, and tournaments for residents. Besides golf, they also have other amenities such as swimming pools, tennis courts, and fitness centers.
  • LGBT: These communities offer a safe and welcoming environment for members of the LGBTQ+ community. They provide supportive services and facilities tailored to the needs of LGBT individuals, such as social events, counseling services, and healthcare referrals.
  • Faith-based: Faith-based communities cater to people who share a common religious belief. They offer a spiritual environment where residents can engage in worship and religious activities. These communities often provide services such as transportation to worship services, religious classes, and faith-based support groups.
  • University retirement: These communities are often located near universities or colleges and offer opportunities for residents to engage in academic pursuits, such as attending lectures and participating in educational activities. They also offer recreational activities and social events for seniors.
  • Niche or lifestyle-based: These communities cater to residents who share a particular interest or hobby. Examples include communities centered around arts and culture, hiking and outdoor activities, and even communities for singles. They offer specialized facilities and events tailored to the interests of their residents.

Whether you’re looking for a luxury lifestyle, a specific hobby, or a supportive community, there is a 55-plus community out there that will meet your needs and preferences.

In conclusion, 55 plus communities offer a range of benefits for older adults looking to settle down in Florida. Before committing to a community, it’s essential to research the rules and eligibility requirements to ensure that it meets your needs and preferences.

If you’re interested in exploring 55 plus communities in Florida, contact us today. Our experienced real estate agents can help you find the perfect home in a community that meets your needs.