Best Retirement Communities In Florida

‍Retirement is a time to relax, enjoy life, and bask in the beauty of nature. And what better place to retire than in Florida, with its sunny weather and stunning beaches? In this article, we will explore the best retirement communities in Florida that are conveniently located near the beach. Whether you’re looking for luxurious amenities, affordable living options, or a vibrant social atmosphere, these communities have it all. So, let’s dive in and discover the top retirement communities in the Sunshine State.

Retirement Communities In Florida

Florida stands as the top retirement haven for seniors in the US, with its sunny beaches and vibrant coastal living luring many. Seniors make up 21% of Florida’s population, a trend set to rise with the impending retirement wave of baby boomers. The allure of the coastline isn’t just about leisure; studies highlight improved physical and mental health for those near the sea.

While financial concerns cast a shadow, savvy retirees are finding ways to make their coastal dreams come true. The average retirement savings of $141,542 and a median of $35,345 emphasize the importance of budgeting wisely. It’s not just about money, though – planning for longevity, daily tasks, and a robust social circle matters, considering today’s 50% chance of living till 85.

Smart retirees are discovering the art of thriving in their retirement. They’ve pinpointed the top Florida destinations for budget-friendly living, saved diligently over the years, and embraced strategic longevity planning. CNBC reports that retirees must surpass mere nest egg building for a truly comfortable retirement.

Florida’s Affordable beachfront retirement communities offer an inexpensive lifestyle and a rich social network. Cities like Pensacola, Daytona Beach, and Fort Walton Beach offer reasonable options. For instance, Daytona Beach’s Latitude Margaritaville and St. Cloud’s Del Webb Subbridge are worth exploring.

After a day of coastal enjoyment, Florida offers dining pleasures through renowned restaurant chains like Darden Restaurants, Inc. (NYSE: DRI), boasting popular eateries like Olive Garden and LongHorn Steakhouse. Publix Super Market Chains provide shopping convenience.

Seniors concerned about hurricanes can find solace in the Tampa Bay Area, known for its retirement-friendly communities without hurricane worries. Like Lake City, Orlando, Kissimmee, and Sanford, Pasco, Hernando, and Citrus Counties shine. Florida offers a plethora of activities and retirement spots, ensuring golden years are truly golden.

Key Considerations When Choosing a Retirement Community

Selecting a retirement community is an important decision that involves several factors to ensure a comfortable and fulfilling lifestyle during your golden years. Here are some key factors to consider:

  • Location: The location of the retirement community plays a significant role in your daily life. Consider its proximity to family, friends, medical facilities, and amenities you enjoy. Think about whether you prefer a quiet suburban area, an urban setting, or a scenic rural environment.
  • Lifestyle and Activities: Evaluate the community’s range of activities and amenities. Ensure they align with your preferences and interests. Look for opportunities to engage in social, recreational, and cultural activities to keep you active and fulfilled.
  • Housing Options: Different retirement communities offer various types of housing, such as independent living apartments, assisted living units, or memory care facilities. Choose the type of accommodation that suits your current needs and allows for potential future changes in health and mobility.
  • Healthcare Services: Investigate the level of healthcare services provided by the community. Consider whether they offer on-site medical care, access to healthcare professionals, and assistance with medication management. Quality healthcare services are essential as you age.
  • Costs and Financial Planning: Understand the costs associated with the retirement community, including initial fees, monthly charges, and any additional expenses. Make sure the financial structure aligns with your budget and long-term financial goals.
  • Staff Expertise and Support: Research the qualifications and training of the staff members. Staff expertise in providing care and support is crucial, especially if you’re considering assisted living or specialized care services.
  • Security and Safety: Prioritize safety features and protocols within the retirement community. Look for well-maintained facilities, emergency response systems, and security measures that ensure your peace of mind and well-being.

Through meticulous contemplation of these seven factors, you can arrive at an educated choice that paves the way for a satisfying and cozy retirement journey within the selected community.

Why Retire in Florida?

Florida has long been a popular destination for retirees, and it’s easy to see why. With its warm climate, breathtaking coastline, and abundance of recreational activities, Florida offers the perfect setting for a relaxing and fulfilling retirement. Residing close to the beach offers a plethora of advantages, encompassing enhanced physical and mental well-being, easy access to outdoor pursuits, and the chance to relish breathtaking sunsets and ocean panoramas. Moreover, coastal communities frequently provide an array of amenities and services customized to cater to the preferences and requirements of retirees.

The Villages

Located in central Florida, The Villages is the largest retirement community in the country. Merely an hour’s drive from The Villages lies the exquisite haven known as the Villages of Citrus Hills, a haven thoughtfully designed for the discerning modern baby boomer. This Florida Retirement Community harmoniously blends single-family homes and maintenance-free villas, meticulously crafted to cater to the needs of today’s active retirees. However, it’s not solely the architecture that weaves the allure; the symphony of world-class amenities and a vibrant social tapestry truly defines retirement here.

Within the embrace of Villages of Citrus Hills, a panorama of community country club offerings awaits – a testament to a life well-lived. These amenities serve as a canvas for active pursuits and social interactions that cater to every preference. A splendid array of home styles and neighborhoods further enriches the experience, allowing you to find the perfect match for your lifestyle.

At Villages of Citrus Hills, the promise of Florida Retirement transcends into an extraordinary reality where comfort, engagement, and leisure converge seamlessly. Home prices in The Villages start in the $200,000s, making it an affordable option for retirees looking to live near the beach.

On Top of the World

Nestled in the picturesque landscapes of Ocala, Florida, On Top of the World Communities presents an ideal haven for active adults, offering a world of possibilities beyond imagination. Life unfolds at your own pace, tailored to your preferences, whether you’re seeking an adventure-filled journey or a more serene existence.

Indulge in many leisurely pursuits spanning 54 holes of golf spread over three lush courses, inviting indoor and outdoor swimming pools and courts for tennis, racquetball, bocce, and basketball. A private R/C flying field soars with excitement while the fitness center, health club, and spa prioritize your well-being. Various dining options meet culinary desires, while cultural venues add artistic flair.

Beyond these amenities, discover a rich tapestry of over 175 clubs, leagues, hobbies, and opportunities for lifelong learning. The meticulously crafted new homes, designed with your comfort in mind, surpass ENERGY STAR standards, reflecting quality, convenience, and a spectrum of design choices. With 23 diverse floor plans, starting from the $200k’s, your dream home seamlessly aligns with your budget.

Valencia Trails

Valencia Trails, nestled in the heart of Naples, FL, promises an unparalleled resort-style living experience for those aged 55 and above. Discover a haven where a sprawling 42,000 sq. ft. Clubhouse becomes the epicenter of vibrant community life. Be enthralled by the endless array of daily events, clubs, and entertainment, where every day brings new opportunities for connection and enjoyment.

Relaxation finds its home by the inviting poolside, while the clubhouse’s social hall hosts captivating shows and gatherings. Embark on leisurely strolls or invigorating jogs along the iconic community trails, embracing the natural beauty of the surroundings.

At Valencia Trails, modern single-family homes showcase elegant contemporary design. With spacious interiors, gourmet kitchens that inspire, and screened patios that invite the Florida sunshine, each residence exudes luxury and convenience. From the allure of tile roofs to the sophistication of designer tile flooring, every detail reflects the essence of opulence. Prices range from $700k’s to $1.3 million, offering a refined retreat for those seeking the pinnacle of comfort and style.

Valencia Walk at Riverland

Valencia Walk at Riverland stands as a vibrant haven for those embracing the golden years along Florida’s captivating East Coast. Nestled within Port St. Lucie, this distinctive 55+ enclave seamlessly weaves together GL Homes’ renowned resort-style living and an exquisite master site plan, crafting an unparalleled Florida lifestyle. A tapestry of leisure and leisure awaits in this modern community, offering a myriad of avenues for enjoyment.

Stroll to charming local boutiques and delectable eateries, bask in sun-kissed beach escapades or relish in the bountiful neighborhood amenities that lie at your doorstep. Within the embrace of this haven, possibilities flourish. Elegantly crafted homes ranging from the $400k’s to the $900k’s become the canvas upon which your dreams are painted. Valencia Walk at Riverland is more than a residence; it’s a symphony of life’s finest moments orchestrated in harmonious serenity.

Valencia Grand

Valencia Grand in Boynton Beach presents an unparalleled 55+ living experience, redefining upscale retirement like never before. Nestled in the heart of South Florida, this exquisite haven redefines premium retirement living. Indulge in a refined country-club lifestyle amidst a tropical paradise. Immerse yourself in the lap of luxury with an array of brand-new, unmatched amenities.

Valencia Grand elevates the art of sophisticated living with thoughtfully designed one-story homes tailored for the discerning 55+ community. Bask in the glow of Florida sunshine through transom windows, gracing expansive high ceilings. Culinary enthusiasts will delight in the impressive gourmet kitchens, while spa-inspired baths offer serene retreats. Step outside to generous outdoor living areas, perfect for relaxation.

Starting from the $900k’s to $1.5 million, Valencia Grand presents a harmonious blend of elegance and comfort, capturing the essence of elevated living. Embrace a life where every moment is drenched in luxury, set against the backdrop of South Florida’s prime location.

Boca Royale Golf & Country Club

Situated to the south of Venice within Sarasota County, Boca Royale Golf & Country Club presents an exceptional lifestyle that exudes a perpetual vacation vibe. Here, life takes on the hues of a perpetual vacation, transcending the ordinary. Within this secure, sprawling 1,000-acre gated community, an abundance of recreational and wellness amenities awaits—a seamless fusion of leisure and vitality. An impeccable 18-hole par 72 golf course stands as the crown jewel, inviting enthusiasts to revel in its allure.

The splendor extends further with a captivating amenity center and clubhouse, elevating social interactions and relaxation. Embodying a sense of refined luxury, the community presents an array of abodes, from single-family homes to attached villas, with prices commencing at the $400k mark. Boca Royale Golf & Country Club is more than just a residential expanse; it’s an embodiment of a life well-lived, a realm where leisure knows no bounds and every day is adorned with the hues of perpetual contentment.

Grand Palm

Grand Palm stands as an exceptional community, seamlessly blending natural beauty with a wealth of amenities in the heart of Venice, Florida. Exemplifying the essence of resort-style living, it offers residents a harmonious connection to both urban and coastal delights. Just a short 20-minute drive from downtown Venice and pristine beaches, Grand Palm ensures convenient access to leisure and entertainment.

Distinguished by its dedication to an active lifestyle, the community boasts an on-site activities coordinator, a cutting-edge fitness center, and an expansive resort-style pool featuring an exhilarating water slide. The experience extends to elegant single-family homes and villas, with options beginning in the $400k’s range. Grand Palm’s allure lies not only in its luxurious offerings but in the way it crafts a genuine sense of community where residents revel in nature’s embrace while indulging in a spectrum of amenities.

Kings Gate

Located within the vibrant Port Charlotte/Punta Gorda region of Florida, Kings Gate presents a gateway to effortless coastal living. This sought-after haven grants convenient proximity to sun-kissed beaches, picturesque marinas, and serene wildlife sanctuaries, all a mere 15-minute drive away. Exclusively tailored for residents aged 55 and above, Kings Gate creates an embracing, secure neighborhood adorned with a welcoming gate. Homeowners revel in a fulfilling lifestyle enriched by a well-appointed recreation center, an expansive Olympic-sized pool and invigorating spa, and pristine tennis courts.

An enthusiastic on-site activities director orchestrates a tapestry of engaging pursuits while an array of resident clubs and social gatherings knit the community closer. For those seeking an extra dimension of leisure, membership to the 18-hole golf course and its accompanying amenities beckons. With offerings commencing in the $300k’s, Kings Gate stands as an emblem of elevated, active retirement, promising an unparalleled chapter in the Florida sun.


Verandah stands as an exquisite and exclusive golf course community, graced by the tranquility of mature oak trees, scenic bike paths, and meandering walking trails that lead to captivating vistas of the Orange River. Behind its private, guard-gated entrance, Verandah offers more than just a residence; it provides a lifestyle enriched with refined amenities. Residents revel in the luxury of full-service dining, a vibrant calendar of social events and engaging activities, and a diverse array of fitness and recreation choices.

The crown jewels of Verandah are its two remarkable 18-hole championship golf courses: the meticulously designed Old Orange by Bob Cupp and the masterful Whispering Oak by none other than Jack Nicklaus. With prices starting from the $400k’s, Verandah invites you to embrace a life of elegance, leisure, and the joy of golfing excellence.

Calesa Township

Calesa Township, a pioneering enclave in Ocala, Florida, stands as a testament to innovative community design. This masterfully planned neighborhood embraces families of all stages, providing an array of housing options. Calesa Township caters to diverse lifestyles, from one- and two-story single-family dwellings to upcoming multi-family residences.

Anchored by luxurious amenities akin to premier resorts, residing here evokes perpetual vacation vibes. With communal pools, serene picnic spots, BBQ havens, and courts for basketball and soccer, leisure is seamlessly woven into daily life. The interconnected trail network promotes outdoor exploration and leads to Ina A. Colen Academy and the acclaimed Florida Aquatics Swimming & Training (FAST) facility, enriching the experience further.

Embark on a journey through 15 distinct Single-Family Home floor plans, with prices commencing from the $300s. Calesa Township isn’t just a residence; it embodies a vibrant, recreational-focused lifestyle that harmonizes modern living with natural allure.

Latitude Margaritaville Daytona Beach

Latitude Margaritaville Daytona Beach is a vibrant 55+ community nestled in the heart of Daytona Beach, drawing inspiration from the laid-back melodies and carefree spirit of Jimmy Buffett’s music. Encompassing a range of exceptional amenities, it invites residents to embrace the art of relaxation and recreation. Feel the rhythm of well-being in the fully-equipped gym and Spin Room, or join the virtual personal trainer-led sessions in the aerobics room.

Unwind in the indoor whirlpool spa and lap pool, and experience the captivating melodies at the Bandshell in Latitude Town Square. The community offers the whimsical Last Mango Theater, doubling as a banquet hall with a stage for enthralling performances. Your furry companions find their haven at the Barkaritaville Pet Spa, while the Coconut Telegraph Business Center keeps you connected.

Savor culinary delights at Latitude Bar & Chill Restaurant and Changes in Attitude Bar. Indulge in the Paradise Pool’s oasis with beach entry, cabanas, and tiki huts. As a cherry on top, relish access to a private beach club, adding an unparalleled touch to this coastal haven.

Latitude Margaritaville Watersound

Latitude Margaritaville Watersound emerges as a vibrant haven for those looking for the perfect blend of relaxation and active living. This lively 55+ community, the second of its kind in Florida, captures the essence of Jimmy Buffett’s spirit, fostering a lifestyle of endless enthusiasm. With the backdrop of Northwest Florida’s coastal charm and conveniently situated between Pensacola and Panama City, it offers a seamless blend of serenity and adventure.

Boasting a repertoire of amenities akin to its Latitude Margaritaville counterparts, this oasis is a testament to the art of vibrant living. As echoes of the ocean breeze beckon, residents can explore a life well-lived through captivating activities. Whether indulging in the array of amenities or embracing the coastal allure, Latitude Margaritaville Watersound offers a range of home options, starting from the inviting $300k range. Discover a new chapter where every day is a celebration of the Margaritaville way.

Venetian Bay

The charming coastal haven of New Smyrna Beach, Florida, Venetian Bay, crafted by Geosam Capital, stands as a testament to refined living. This idyllic community boasts a harmonious blend of modernity and leisure, offering its residents an array of world-class resort-style indulgences. Tee off on the meticulously designed 18-hole championship golf course or bask in sun-kissed moments with your loved ones at the inviting Beach and Swim Club. Seek tranquility at the prestigious World Class Spa or embrace an active lifestyle through the state-of-the-art fitness center and the sprawling network of scenic trails, perfect for walking and biking.

Venetian Bay cultivates a sense of belonging, with diverse options ranging from luxurious gated estates, semi-custom homes, and single-family residences to maintenance-free townhomes and upscale apartments. With a price spectrum spanning from $300k’s to upwards of $1 million, Venetian Bay resonates with every seeker of elevated living, promising a community where one’s aspirations find their perfect home.

Babcock Ranch

Babcock Ranch stands as a testament to harmonious living. It spans 18,000 acres against an expansive wilderness preserve backdrop. It’s an enclave designed to nurture happiness and well-being. The landscape unfolds into a haven for outdoor enthusiasts, offering an array of hiking and biking paths, lush greenways, and serene lakes that beckon exploration.

Distinguished as the pioneering solar-powered town in the United States, Babcock Ranch proudly hosts an 870-acre solar farm skillfully operated by Florida Power & Light. Seamlessly weaving modernity into its fabric, the town is enrobed in the convenience of fiber optic internet, ensuring a fully connected lifestyle for all residents.

Babcock Ranch weaves a tapestry of diverse neighborhoods, each a canvas for different aspirations, supported by a range of esteemed home builders. Homes span from the accessible $ 300s to the pinnacle of luxury, exceeding $2M, inviting individuals from all walks of life to experience its vibrant, sustainable community firsthand.

PGA Village Verano

PGA Village Verano, nestled in the heart of Port St. Lucie, Florida, epitomizes a harmonious blend of resort-style living and active community engagement. This splendid gated golf resort community caters to a diverse range of residents, where the vibrant tapestry of life unfolds against the backdrop of lush greens and impeccable fairways. Within this expanse lies the enchanting enclave of Cresswind at PGA Village Verano, an exclusive 55+ neighborhood.

At its core lies the 27,000 sq ft Social Center, a hub of vitality and connection. Boasting a cutting-edge fitness center and South Florida’s largest private Pickleball complex, featuring 27 courts, this haven beckons residents to pursue wellness and camaraderie with unbridled enthusiasm. A dedicated Lifestyle Director and Activities Coordinator curate an unceasing calendar of social and fitness events, ensuring year-round enjoyment.

Homes, a testament to elegance and comfort, find their place amidst this panorama, with prices from the $300k’s. PGA Village Verano is a testament to the art of living well, embracing the joy of golf, and the spirit of a fully lived life.


Retiring near the beach in Florida offers retirees the opportunity to embrace an active and fulfilling lifestyle in a picturesque setting. Whether you’re looking for an affordable community with a vibrant social atmosphere or a luxurious retreat with resort-style amenities, Florida has it all. Ranging from The Villages to Latitude Margaritaville and Del Webb Sunbridge, a multitude of retirement communities are available for selection, each presenting its distinct allure and advantages.

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