Year after year, Florida ranks among the top retirement destinations in the U.S., and it’s no mystery why so many people choose the Sunshine State for retirement. When it comes to relocating for retirement, three big considerations make Florida an attractive option:
- Budget: Florida is tax-friendly for retirees and has plenty of low-cost-of-living areas.
- Climate: Florida has warm, sunny weather all year round.
- Lifestyle: In addition to having several major cities full of cultural attractions and tons of opportunities for outdoor recreation, Florida has the most 55+ communities of any state, with all of the age-targeted amenities that retirees are looking for.
However, along with all of the benefits of an age-restricted community, some drawbacks may not suit everyone.
- Less Flexibility: Age restrictions can be beneficial in maintaining a friendly community with like-minded neighbors, but for people who prefer flexibility and freedom, they can be bothersome.
- Visitor Restrictions: Some age-restricted communities may have limits on the duration or frequency of visits, or they may not permit multi-generational households. This can be an issue for retirees who relocate away from family and want to house them during visits or for grandparents who may act as caretakers for grandchildren.
- Limited Buying Options: There are fewer 55+ communities than non-age-restricted communities, potentially limiting your buying options as a homeowner.
It’s essential to consider whether an age-restricted community is the right fit for your situation. If you’re thinking about buying a home in Florida, this guide describes the top areas that are great for retirees and highlights several non-age-restricted communities in those areas.
Bonita Springs
Bonita Springs is a coastal city in Southwest Florida, located midway between Cape Coral-Fort Myers and Naples. The city is renowned for its stunning beaches, serene atmosphere, and vibrant arts and culture scene.
Lovers Key State Park, which is made up of four barrier islands on the Gulf Coast, lies on the western edge of the city. This popular park provides easy access to miles of beaches and aquatic recreation. To the east is the CREW Wildlife and Environmental Area, which spans tens of thousands of acres and offers a wide range of outdoor recreation, including hiking, camping, hunting, and much more.
In addition to typical city amenities, such as shopping, dining, and entertainment, residents of Bonita Springs also enjoy a variety of events and festivals. Institutions such as Arts Bonita and Bonita Springs Historical Society highlight the city’s culture and host community activities, classes, and events.
Non Age-Restricted Communities in Bonita Springs
If you’re an active adult who enjoys outdoor recreation and access to a lively city, consider these communities without age restrictions in Bonita Springs.
Bradenton
Bradenton is another coastal city in Southwest Florida, just south of Tampa Bay. The city has a small-town feel, offering up access to plenty of natural beauty and a laid-back pace of life.
The downtown area of Bradenton is nestled along the Manatee River, a tributary that extends from the southern edge of Tampa Bay. Some popular attractions in the city include the Bradenton Riverwalk, Village of the Arts, Manatee Village Historical Park, and Bishop Museum of Science and Nature. The city has a strong sense of community, hosting regular festivals, events, and farmers markets throughout the year.
For a change of pace, the city of Tampa is less than an hour’s drive away, putting big city amenities and entertainment within easy reach. Bradenton’s location along the Gulf Coast means there is no shortage of scenic beaches and opportunities to get outside and enjoy the Florida sunshine.
Non Age-Restricted Communities in Bradenton
If Bradenton sounds like the right fit for you, check out these communities without age restrictions in the area.
- Tidewater Preserve
- Tara Golf & Country Club
- River Strand
- Harmony at Lakewood Ranch
- Harbour Isle
- Esplanade at The Heights
Estero
Just south of Fort Myers, this village is a quiet community renowned for its proximity to nature, upscale lifestyle, and numerous golf courses. Estero is nestled between the CREW Wildlife and Environment Area and the Estero Bay Aquatic Preserve. Whether you’re interested in active adventures like kayaking and hiking, or more leisurely activities such as sunbathing or wildlife viewing, you’re sure to find an opportunity near the village. Estero is also renowned as a golfer’s paradise, with 11 courses within the village limits and 89 more within 20 miles.
Other popular destinations in Estero include the Coconut Point Mall and Miromar Outlets, which offer extensive options for shopping, dining, and entertainment. Between these two locations, there are hundreds of stores–ranging from big-box, name-brand stores to high-end, designer boutiques. These high-quality amenities, alongside well-maintained neighborhoods with stylish homes, have given Estero a reputation as a luxurious community.
Non Age-Restricted Communities in Estero
Here are a few communities without age restrictions in Estero to look over if you’re interested in purchasing a home in the area.
Fort Myers
Fort Myers is the third-largest city in Southwest Florida, and it shares a metropolitan area with the region’s largest city, Cape Coral. Although it’s the smaller sibling, Fort Myers is certainly not overshadowed, drawing in residents with a relaxed, urban environment full of historical charm.
This city offers a relatively low cost of living and affordable housing while still providing opportunities for a well-rounded lifestyle that combines urban amenities with scenic tropical beauty. Downtown Fort Myers features dining, shopping, unique historic districts where visitors can tour famous homes, several museums, and a variety of entertainment venues.
Additionally, the Caloosahatchee River runs through downtown, providing opportunities for fishing and boating right within the city. Residents can also reach a wide range of sandy Gulf Coast beaches and large nature preserves just a short drive away from Fort Myers.
Non Age-Restricted Communities in Fort Myers
There are many communities without age restrictions in the Fort Myers area, such as:
- Verandah
- The Reserve at Estero
- The Plantation
- The Hideaway Country Club
- Paseo
- Legends Golf and Country Club
- Heritage Palms
- Gulf Harbour Yacht & Country Club
- Esplanade Lake Club
- Cross Creek Country Club
- Colonial Country Club
- Arborwood Preserve
Lakewood Ranch
Lakewood Ranch is a planned community just east of Bradenton and Sarasota. The community was designed around the idea of multi-generational living and has since become one of the top-selling master-planned communities in the U.S. Many of the villages in Lakewood Ranch are a great option for retirees looking to move to Southwest Florida, thanks to maintenance-free home options, a strong sense of community, and resort-style amenities.
The community is designed for convenience, featuring walkable neighborhoods and multiple town centers where residents can find shopping, dining, recreational options, healthcare facilities, and other necessities. A lifestyle team also maintains a full calendar of events, classes, clubs, and activities. As a resident, you can freely explore the amenities at your leisure, which also include several golf courses.
Non Age-Restricted Communities in Lakewood Ranch
Here are the communities without age restrictions within Lakewood Ranch that still appeal to retirees.
Naples
Naples is situated on the Gulf Coast, roughly an hour south of Fort Myers. This location makes it a popular destination for its beautiful white-sand beaches, but the city is also well-known for an abundance of golf courses, luxury shopping, and dining options.
Beachgoers can visit over a dozen public beaches in Naples, making it perfect for active adults who enjoy the sun and sand. For other outdoor recreation opportunities, there is a 170-acre botanical garden within the city, and the Picayune Strand Forest is just a short drive away. Additionally, within 30 miles of the city, there are over 100 golf courses and clubs where residents can enjoy the game.
The city itself has entertainment options for all interests and lifestyles, including a zoo, museums, art galleries, live performance venues, and more. Just a short walk from the city’s iconic Naples Pier, Fifth Avenue South and Third Street South are popular destinations that feature scenic streets lined with high-end shops and restaurants.
Non Age-Restricted Communities in Naples
Despite its sophisticated appeal, Naples offers a wide range of home options to suit various budgets. Here are some communities to consider.
- Vineyards
- VeronaWalk
- Treviso Bay
- The Isles of Collier Preserve
- Pelican Bay
- Moorings
- Lely Resort
- Island Walk
- Heritage Bay
- Fiddler’s Creek
- Esplanade by the Islands
- Esplanade at Hacienda Lakes
Ormond Beach
Ormond Beach is located in East Florida, along the Atlantic Coast, directly north of Daytona Beach. This small city blends convenience and fun with an easygoing environment surrounded by nature.
Outdoor recreation is the primary draw for retirees looking to live in Ormond Beach. The city is surrounded by state parks and nature preserves, where active adults can enjoy camping, hiking, wildlife viewing, and other outdoor activities. The Halifax River runs through downtown, allowing for fishing and kayaking, and of course, there are plenty of amazing beaches along the Florida coast.
While Ormond Beach itself has all the conveniences of city living, it’s a smaller community and more laid-back than neighboring Daytona Beach, where residents can visit exciting attractions, such as the Daytona Boardwalk, Daytona International Speedway, and a variety of museums and art galleries.
Non Age-Restricted Communities in Ormond Beach
Compared to other coastal cities in Florida, Ormond Beach is also more affordable. Here are some communities without age restrictions near the city.
Port St. Lucie
Situated on the Treasure Coast, approximately halfway between Miami and Orlando, Port St. Lucie is a peaceful city that offers retirees a wealth of opportunities to live on the Atlantic Coast.
The city is full of lush parks and greenspaces. Port St. Lucie Botanical Gardens and Riverwalk Boardwalk are great destinations to get outside and enjoy Florida’s pleasant tropical climate. Also, several state parks are just a short drive away for more high-adventure outings. Golf is another major attraction, with the city boasting 54 holes of world-class golf at PGA Village.
In addition to the conveniences of city living, there are also regular events, such as farmers markets and festivals, that celebrate local culture and foster a strong sense of community.
Non Age-Restricted Communities in Port St. Lucie
Check out these communities without age restrictions near the city.
Sarasota
Just south of Tampa Bay, Sarasota is an energetic city known for its array of cultural attractions and miles of beautiful, sandy beaches. Once the winter home of the Ringling Brothers’ Circus, Sarasota has a long heritage of world-class attractions and entertainment. Some of its most popular cultural offerings include the Ringling Museum of Art, Ca’ d’Zan mansion, the Sarasota Opera, and Van Wezel Performing Arts Hall. For more of the local flavor, residents can also visit charming neighborhood attractions such as St. Armands Circle and Sarasota Farmers Market.
Sarasota is a dynamic city that also offers active adults plenty of outdoor recreation options. For a leisurely time outside, residents can visit the Marie Selby Botanical Gardens or the sandy beaches of Siesta Key, while even more outdoor adventures await near the city at Myakka River State Park.
Non Age-Restricted Communities in Sarasota
These communities without age restrictions could be your home base for all the excitement Sarasota has to offer.
- The Landings
- The Isles on Palmer Ranch
- Sandhill Preserve on Palmer Ranch
- Plaza De Flores on Palmer Ranch
- Palm Aire
- Hammock Preserve on Palmer Ranch
- Esplanade on Palmer Ranch
- Esplanade at Skye Ranch
Vero Beach
Vero Beach is a small city on Florida’s Atlantic Coast, roughly 100 miles southeast of Orlando. This quiet city is known for its close-knit community and pristine beaches, making it an ideal location for retirees looking for a slower pace of life.
Despite its reputation as an upscale city, Vero Beach is actually quite affordable, making the cultural assets and sense of community even more appealing. The city is home to an active art scene, featuring regular opera, ballet, and theater events, as well as attractions such as museums and art galleries. The local culture is celebrated through street festivals and other community events throughout the year.
The city also offers uncrowded beaches, with 26 miles of sandy, natural shoreline. Other popular outdoor attractions include the McKee Botanical Garden, numerous golf courses, and several state parks and conservation areas just a short drive inland.
Non Age-Restricted Communities in Vero Beach
If the quiet sophistication of Vero Beach appeals to you, consider these communities without age restrictions.
Wellen Park
Wellen Park is a master-planned community in Southwest Florida, about an hour north of Cape Coral. Established in 2014, Wellen Park consists of several neighborhoods that feature beautiful homes and convenient amenities and necessities.
The neighborhoods within Wellen Park cater to a range of lifestyle needs and budgets, making it an attractive location for retirees. Options include low-maintenance living, golf communities, gated communities, and access to resort-style amenities such as clubhouses, fitness centers, pools, and more.
The central hub of the community is Downtown Wellen, where residents can find a wide range of daily conveniences, including shopping, dining, services, healthcare facilities, and even schools.
Non Age-Restricted Communities in Wellen Park
These are some of the neighborhoods without age restrictions within the Wellen Park community.
- Sarasota National
- Renaissance at West Villages
- IslandWalk at West Villages
- Grand Palm
- Boca Royale Golf & Country Club
- Castellina
Find the Perfect Florida Community for Your Lifestyle
Florida offers an incredible variety of communities, from vibrant 55+ neighborhoods designed for active adults to welcoming all-ages communities that fit multigenerational households. The right choice depends on your lifestyle, future plans, and what you want out of your next chapter.
Whether you’re seeking the amenities and connections of an age-restricted community or the flexibility of a non-restricted neighborhood, the options are here for you. Connect with a local real estate expert through 55places.com today and start exploring Florida communities that match your unique needs.
Non Age-Restricted Communities in Florida: FAQ
1. Why would someone choose a non age-restricted community over a 55+ community?
Many people choose non age-restricted communities for the flexibility they provide. These neighborhoods allow multigenerational living, have fewer restrictions on visitors, and often offer a wider selection of homes compared to age-restricted options.
2. Do non age-restricted communities in Florida usually have HOAs?
Yes, many non age-restricted communities have homeowners’ associations (HOAs). The HOA typically manages amenities, landscaping, and community upkeep, and enforces neighborhood rules to maintain standards.
3. What amenities are common in all-ages Florida communities?
All-ages communities often feature amenities such as clubhouses, swimming pools, fitness centers, tennis and pickleball courts, dog parks, playgrounds, and walking trails. Some also offer golf courses, marinas, or full lifestyle programming.
4. How do taxes in all-ages communities compare to 55+ communities?
Taxes are the same in both types of communities. Florida has no state income tax, and all homeowners may benefit from county-based property tax rates and the homestead exemption if the home is their primary residence.
5. What should buyers know about insurance in coastal communities?
Insurance premiums in coastal Florida communities are often higher due to risks from windstorms and flooding. Costs depend on factors such as the age of the home, the roof type, elevation, and proximity to flood zones.
6. Can homeowners use short-term rentals such as Airbnb in these communities?
Short-term rentals are sometimes allowed, but it depends on local ordinances and HOA or condo association rules. Many communities set minimum lease terms or require prior approval, so it is important to verify restrictions before buying.
7. Are pets usually allowed in all-ages communities?
Most all-ages communities in Florida are pet-friendly. However, associations may set limits on the size, breed, or number of pets, and may require pets to be registered.
8. Do non age-restricted communities offer lifestyle programming like 55+ communities?
Many newer all-ages master-planned communities do offer lifestyle programming. These may include clubs, fitness classes, concerts, food-truck nights, and community festivals organized by lifestyle directors.
9. Do schools matter if I am retiring in an all-ages community?
Even if you do not have children, good school districts can positively impact property values and support neighborhood stability, making them an important consideration when buying a home.
10. How close are these communities to beaches and city centers?
Many all-ages communities are located just minutes from the coast, especially in cities like Naples, Sarasota, and Bradenton. Others are inland, which often lowers insurance costs and home prices. Accessibility to airports, hospitals, and shopping centers varies by location.
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