Blue sky over a lake at Timber Pines in Spring Hill, Florida

Active adults looking for affordable Tampa real estate should consider these 55+ communities.

Tampa real estate is available in a lot of price ranges, and active adults looking for affordable retirement communities in Florida are finding that the Tampa Bay area has exactly what they need. Living in Tampa comes with numerous advantages, especially for residents who love water activities, sports, golf, and the arts. The area is swimming in Cuban culture, and there’s an entire population of former northerners who have migrated south to the Sunshine State.

If you’re looking to spend about $200,000 or less on a new home near Tampa, you have a great selection of communities to consider.

Heritage Pines Florida - Hudson, FL

High $100s - High $200s 

Buyers interested in living on a private golf course in a pine forest surrounded by lakes and ponds will enjoy Heritage Pines, a 55+ community in Hudson. It’s less than an hour outside of Tampa, close to beaches, and part of Florida’s Nature Coast, where adventurers can enjoy hiking and wildlife watching as well as sport fishing and boating. 

A $200,000 budget offers interested homebuyers several options in resale single-family and attached properties. The villas have four models ranging from 1,297 to more than 1,600 square feet. They have two bedrooms, two bathrooms, and an attached two-car garage. Single-family homes are available in 29 models with two or three bedrooms, den space, attached garages for two or three cars, and floor plans from 1,353 to 3,548 square feet. 

In addition to the 18 holes of golf, residents enjoy amenities such as a woodworking shop, a fitness center, a game room, a library, and a collection of multi-purpose and meeting rooms inside the 15,000-square-foot clubhouse. There’s a performing arts center and the Fireside Dining Room, which includes a bar. A pool, four tennis courts, and two bocce ball courts are also available. In addition to this, there are clubs, social activities, and support groups for neighbors to participate in at Heritage Pines Florida. 

Tampa Bay Golf and Country Club - San Antonio, FL

Mid $100s - Mid $300s

Less than half an hour from Downtown Tampa, the 55+ community of Tampa Bay Golf and Country Club offers buyers everything they want in terms of location, space, price, and amenities. It’s right off Interstate 75, making the commute into Tampa a breeze, and the local town of San Antonio offers a lot of cultural activities through Saint Leo University. Residents are close to great hiking and fishing spots in the nearby Withlacoochee State Forest, and there’s terrific shopping in Wesley Chapel, with malls and outlet centers only a few minutes away.

This community has several membership levels for golfers and residents who wish to use the country club socially. The 27-hole golf course is enough to keep people busy, but there’s also a volleyball court, tennis courts, shuffleboard, and two pools and spas. The clubhouse includes a restaurant, a fitness center, and a library. There’s a computer room and a ballroom, as well as a place for billiards.

For $200,000 or less, buyers can find a single-family home with between two and four bedrooms and two or three bathrooms. Square footage ranges from 1,276 to 2,600 or more. These are resale homes that were constructed in the last 25 years by multiple builders.

Timber Pines - Spring Hill, FL

Low $100s - Low $300s 

Spread out over 1,400 acres, Timber Pines in Spring Hill is a popular 55+ community, mostly because of its affordability, resort-style amenities, and the four golf courses on-site. It’s close to both Tampa and Downtown St. Petersburg, and the Gulf of Mexico beaches are just a few miles away.

Timber Pines has attached and single-family homes available in a wide range of floor plans and models. For $200,000, buyers can find at least two or three bedrooms, two bathrooms, and an attached two-car garage. There’s a full-time activities director on staff, working with residents to facilitate clubs, social groups, and communal activities.

There’s plenty of diversion at Timber Pines, even outside the golf courses, driving range, and putting green. Residents can enjoy The Lodge, where there’s a ballroom, meeting rooms, a library, and a gorgeous enclosed porch that’s perfect for morning coffees and evening aperitifs. There are also pools, shuffleboard courts, horseshoe pits, pickleball, and tennis. At the Resident Activities Center, there’s a woodworking shop, fitness center, craft room, and billiards center. Also, the Performing Arts Center hosts plays, concerts, and other live shows.

Town Shores of Gulfport - Gulfport, FL

Below $100K - Mid $400s

On the other side of Tampa Bay is the Town Shores of Gulfport, a waterfront 55+ community of resale condos. The town of Gulfport is a haven for artists, nature lovers, and creative types. Residents can enjoy open mic nights at the local cafes, fresh ice cream downtown, and eclectic art galleries and boutiques.

The condos at Town Shores of Gulfport are available in models with between 815 and 2,210 square feet. They have between one and three bedrooms and one and three bathrooms. Many of them come with views of the water. 

With a kayak launch and a boat launch, residents can enjoy their favorite waterfront activities. There’s pickleball, a garden area, and four outdoor pools. Residents also enjoy shuffleboard and tennis, and the clubhouse includes an exercise room, an arts and crafts room, and a conference room. There’s also a card room, billiards room, and catering kitchen. Yoga groups, kayak groups, and book clubs get together regularly (there’s also a club for jigsaw puzzle enthusiasts).

Kings Point - Sun City Center, FL

Below $100K - Low $300s 

Sun City Center is less than half an hour from Downtown Tampa, and it’s a haven for active adults looking for a new and communal Florida retirement experience. At Kings Point, there’s a large inventory of single-family and attached homes available for $200,000 or less. Homes come in dozens of resale models with between two and four bedrooms.

The community is large, with more than 5,000 residences, golf courses, amenity centers, and a golf cart-friendly lifestyle. This 55+ community is a desirable place to live full-time or part-time. It includes RV parking, a guard gate entry system, and more than 100 condo associations taking care of things like landscaping and exterior maintenance. 

Residents enjoy group outings, live performances, dinners and dances, and tons of amenities like fitness centers, pools, theaters, restaurants, fishing docks, and community transit. There are plenty of opportunities for exercise, art classes, and activities like shuffleboard, tennis, and pickleball. There’s bowling, horseshoes, woodworking, and volleyball. Residents can soak in a hot tub, take a dance class, or book a spa treatment.