Greenery surrounding the community sign at Tarpon Bay Yacht Club in Port St Lucie, Florida

Retiring on Florida's Central Atlantic Coast may be more affordable than you think.

Buyers looking for affordable Florida retirement communities on the Central Atlantic Coast have some unique locations to consider. There are small neighborhoods and large neighborhoods as well as towns close to the water and others surrounded by history and golf, but all of them provide a high standard of living without a cringe-worthy price tag.

Starting with a budget of around $150,000, active adults seeking homes for sale in Fort Pierce, Port St. Lucie, and other areas along the coast will find there are some popular and well-located 55+ communities waiting to welcome them.

Colonnades at Fort Pierce - Fort Pierce, FL

Below $100k - Mid $200s

Live on the Indian River Lagoon by choosing a resale condo home at Colonnades at Fort Pierce. This 55+ community is located on Hutchinson Island, and some of its special amenities include a community dock, from which residents can fish, and private boat slips. There’s also a marina and plenty of storage for boats. Homeowners can park their RVs as well, and tranquil walking paths and trails move naturally through the community’s neighborhoods.

Perfect for downsizing or staying on budget, the condos are 564 to 1,316 square feet. Available homes have one or two bedrooms and one or two bathrooms. There’s assigned parking and available upgrades such as tile floors, granite counters, and custom cabinets. Some properties have open patios, and others have enclosed porches.

Residents get together for canoeing and kayaking, and there’s also a pool, shuffleboard courts, and tennis courts available. The clubhouse includes a library, a meeting space, and rooms for games and billiards.

Learn more about Colonnades at Fort Pierce here.

Meadowood - Fort Pierce, FL

Low $100s - High $300s 

Golf course living can be affordable, even on Florida’s coast. The evidence can be found at Meadowood, a 55+ community offering 18 championship holes of golf as well as practice facilities like a driving range and a putting green.

Other amenities include a fitness center, social and dining rooms, and several outdoor pools. There are five clay tennis courts, a bocce ball court, and scenic lakes and walking paths for residents to enjoy the year-round sunshine. Residents get together for art classes, fundraisers, and computer club. 

Single-family homes are available as new construction or resale properties at Meadowood, but buyers will find the condos to be the most affordable options in this community. They come with spacious models that offer 1,417 to 2,026 square feet, two or three bedrooms, two bathrooms, and many of the condo homes have a view of the golf course or the lake. These homes have large kitchens, open layouts, and high ceilings.

Learn more about Meadowood here.

Palm Grove - Fort Pierce, FL

Mid $100s - High $100s

Buyers who want to stay within a budget but prefer a single-family home to a condo can check out the 55+ community of Palm Grove, which is also in historic Fort Pierce and not far from the water. There are 365 homes with two or three bedrooms, two bathrooms, attached one- or two-car garages, and between 1,305 and 2,766 square feet. Low-maintenance living is provided by an active homeowners' association which takes care of exterior maintenance, landscaping, security at the guard gate, and monthly water, sewer, and cable bills.

Palm Grove is full of amenities. There’s a clubhouse that includes a gathering room and an exercise room. There’s also a library, a space for table tennis, and a billiards room. Outside, there’s a heated pool and a patio, tennis courts, bocce ball courts, and five shuffleboard courts. Holiday gatherings and social events are frequent. Residents enjoy wine tastings, fashion shows, movie nights, and dinner dances.

Learn more about Palm Grove here.

Tarpon Bay Yacht Club - Port St. Lucie, FL

Mid $100s - High $200s

Tarpon Bay Yacht Club is an intimate 55+ condo community on the water in Port St. Lucie with homes for sale under the $150,000 mark. There are only 120 units in this community, and they’re gathered into six three-story buildings right on the water. There are elevators and security, and the condos come in two floor plans. The smaller models are more affordable, with two bedrooms, two bathrooms, and approximately 1,314 square feet. This is a great community for active adults seeking Port St. Lucie homes for sale with a boat dock.

Tarpon Bay Yacht Club’s great location off the St. Lucie River provides plenty of water-based amenities. The boat dock is available, and there are plenty of walking paths and nature trails that pass by picturesque ponds and even an orchard of fruit trees. The clubhouse includes a community workshop and meeting spaces as well as a common area, a library, and a billiards space. There’s a pool outside with a patio that has gorgeous views, and there are also courts for pickleball, tennis, and shuffleboard.

Learn more about Tarpon Bay Yacht Club here.

Kings Isle - Port St. Lucie, FL

Mid $100s - High $200s

Close to Interstate 95 and affordably priced, Kings Isle is a 55+ community with engaging amenities and nearly 1,000 single-family and attached homes. Residents enjoy hanging out at the private beach area, practicing their swings at the driving range, and relaxing at the multiple parks and greenspaces found throughout the neighborhood. The clubhouse has a fitness center, an arts and crafts room, a billiards and game room, and a library. There’s also plenty of meeting space for events, activities, and clubs. There’s also a pool, tennis courts, and a place for bocce.

The Courtyard Homes are the most affordable properties at Kings Isle, and they're available on a resale basis. These homes have four models with two bedrooms, two bathrooms, and attached one-car garages, and between 969 and 1,216 square feet. Larger homes are also available with up to three bedrooms and more than 2,000 square feet.

Learn more about Kings Isle here.