A palm tree beside a patio chair looking out over a coastline edged with tropical greenery

A Central Flordia retirement may be more affordable than you think.

Finding homes for sale in Central Florida for under $200k isn’t terribly difficult. Interested buyers can find a large selection of new construction and resale properties in scenic and desirable neighborhoods with amenities such as golf courses, state-of-the-art fitness centers, and resort-style pools.

Here are some of the most sought-after 55+ communities in Central Florida with reasonably priced homes and all the social and recreational opportunities that active adults look for in a Florida retirement. 

Cypress Lakes - Lakeland, FL

Low $100s - High $100s

A pathway around Lake Mirror in Lakeland, Florida

The single-family homes in this community offer plenty of indoor and outdoor space.

Two golf courses are available to residents at Cypress Lakes in Lakeland, a Central Florida city off Interstate 4 that’s within an hour's drive of Tampa and Orlando. This 55+ community also offers activities and events at the Big Cypress Club, a 30,000-square-foot clubhouse that includes a fitness center, an aerobics studio, a library with computers, meeting rooms, and space for crafts, hobbies, billiards, and cards. There’s also a catering kitchen and a restaurant with a walk-up window. Outside, there are pools, tennis and pickleball courts, fishing lakes, and a firepit. Also, golfers enjoy the driving range and putting green.

The single-family resale homes in this community offer plenty of indoor and outdoor space. Many have back porches and screened patios. With more than 20 models, homes range from 1,008 to 1,920 square feet with two or three bedrooms, two bathrooms, and a carport or an attached one-car garage. Many floor plans include a den, and buyers can also look for homes with extra storage and large master suites.

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Marion Landing - Ocala, FL

Below $100k - High $100s

The community sign for Marion Landing in Ocala, Florida

Homes in Marion Landing offer two or three bedrooms and an attached two-car garage.

There are 600 low-maintenance single-family homes in the 55+ community of Marion Landing in Ocala. The homeowners' association (HOA) takes care of landscaping, exterior maintenance, and trash removal twice a week. Ranging from 864 to 2,400 square feet, homes in Marion Landing offer two or three bedrooms, two bathrooms, and an attached two-car garage. If materials matter, buyers can choose a frame and vinyl exterior or one of the modern models with block and stucco construction.

In the Lifestyle Center, residents can expect to find an exercise room, a craft room, and billiards space. There’s also a ballroom and a bowling alley with eight lanes. Outside, there’s a pool and a spa as well as a spacious patio, tennis courts, shuffleboard courts, and bocce ball courts. Residents who love to fish can enjoy the stocked fishing ponds and the tranquility of a day on the water. Known for its excellent outdoor fun, Ocala is also home to Ocala National Forest as well as several horse farms, nature trails, and lakes.

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The Villages - The Villages, FL

Mid $100s - High $1Ms

Palm trees and cars along a street in The Villages in Florida

Finding a home at The Villages for under $200k is more than possible.

Homes for sale at The Villages cover three zip codes, a handful of Central Florida counties, and a wide range of prices. It’s a sprawling 55+ community that's currently 60,000 properties strong and growing. There are single-family homes, attached villas, condo units, and manufactured homes available in resale condition or as new construction. Every possible amenity is included, from tennis courts and pools to town squares and meeting spaces. There are also softball fields, houses of worship, restaurants, and shopping centers.

Finding a home at The Villages for under $200k is more than possible. The Patio Villas are right in that price range, and they offer 1,163 to 1,190 square feet with two bedrooms and two bathrooms. These homes have lanais and attached one-and-a-half car garages so residents can park their golf carts as well. Cottage Homes are also in this price range, and they offer 15 floor plans with 1,255 to 2,003 square feet and two to four bedrooms. 

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Oak Run - Ocala, FL

Low $100s - Low $300s

Trees lining the golf course at Oak Run in Ocala, Florida

Residents of Oak Run can purchase a golf or social membership to enjoy the clubhouse, restaurant, and pro shop.

Located in Ocala's southwest corridor, Oak Run offers residents an array of amenities across five clubhouses as well as 18 holes of championship golf. Residents can purchase a golf or social membership to enjoy the clubhouse, restaurant, and pro shop. Also, the community's location puts homeowners just 30 miles from the Gulf of Mexico and 90 minutes from the big-city entertainment in Orlando and Tampa.

Built from 1985 to 2007, Oak Run has single-family and ranch duplex homes available on a resale basis. The single-family homes range from 1,112 to 2,275 square feet with two or three bedrooms, two bathrooms, and an attached one- or two-car garage. Duplex homes offer 1,049 to 1,489 square feet, two to three bedrooms, two bathrooms, and an attached one- to two-car garage.

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On Top of the World - Ocala, FL

Low $100s - Mid $500s

Lounge chairs surrounding an outdoor pool at On Top of the World in Ocala, Florida

On Top of the World consistently distinguishes itself on our awards lists.

With 10,000 homes in the works, On Top of the World in Ocala is set to become one of the largest 55+ communities in the state. But its size isn't its only noteworthy characteristic. On Top of the World consistently distinguishes itself on our awards lists; it's been named most popular, best selling, and "Community of the Year." On Top of the World is located just six and a half miles west of Interstate 75, providing the perfect setting for homeowners who want urban amenities while living a low-maintenance lifestyle.

This community has attracted retirees for years due to its attractive homes, world-class amenities, and active lifestyle. Residents have access to three golf courses, several clubhouses, fitness centers, swimming pools, tennis and pickleball courts, restaurants, and even an R/C airplane field. There are also over 175 organized clubs and interest groups where neighbors can get together and socialize.

Homes for sale at On Top of the World include single-family homes and attached villas that range from 1,000 to over 3,000 square feet. Most homes feature concrete block, steel stud, and stucco construction. There's a wide assortment of resale homes, and the community is divided into two communities with several neighborhoods to choose from.

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