Valencia Lakes' zero-entry, resort-style pool with patio and palm trees surrounding.

Residents of Valencia Lakes have all the amenities of a country club, without the golf course and its maintenance costs.

Tampa Bay real estate covers everything from single-family homes in the rural suburbs to downtown lofts and cozy condos on the beach. There are lots of golf course communities in the Tampa area, but there are also plenty of 55+ communities without the traffic, noise, and distraction of players getting in their 18 holes.

Active adults looking for Florida retirement communities without golf courses have numerous options around Tampa, Clearwater, and Saint Petersburg. The one you choose will depend on the amenities you desire, whether it’s a waterfront location or a state-of-the-art fitness center.

Valencia Lakes - Wimauma

Low $200s - Mid $600s

Just south of Tampa and close to Sun City is Valencia Lakes in Wimauma (pronounced Why-Mama). A golf course is about the only thing this 55+ community doesn’t have.

It does have a 40,000 square-foot clubhouse with a fitness center and dance studio, which are next to the saunas and steam rooms. There’s a restaurant and an internet cafe as well as a grand ballroom with a raised stage for live performances. Residents have a choice in swimming pools; there’s a resort-style pool as well as a resistance pool. For fun exercise, there’s pickleball and shuffleboard as well as basketball courts and softball fields.

New and resale homes are available in single-family and attached models. The villas are between 1,321 to 1,857 square feet and have two or three bedrooms, two bathrooms, and attached two-car garages. Single-family homes are between 1,597 and 3,273 square feet and have between two and four bedrooms. Valencia Lakes is a great choice for buyers who want all the luxury of a golf course community without the greens themselves.

Town Shores of Gulfport - Gulfport

Below $100k - Mid $400s

Gulfport is a small town on the water that's full of art, cafes hosting open mic nights, and restaurants serving excellent seafood. There’s no golf at Town Shores of Gulfport, but there is a boat slip and a kayak launch that takes residents right onto Boca Ciega Bay and through to the Gulf of Mexico.

Active adults who love being on the water and surrounded by seabirds and dolphins will feel right at home in this 55+ condominium community.

Condos come in a range of sizes, starting at one-bedroom models with 815 square feet and going to homes with three bedrooms and 2,210 square feet. A total of 1,327 units are spread out over 18 buildings, and some of them are pet-friendly.

Amenities include a clubhouse and exercise room, pickleball courts, tennis courts, and a gardening area. Residents get together for yoga class, book club, and billiards. Residents are close to one of Florida’s best wineries for tropical wines, Florida Orange Groves Winery, just a few minutes away.

Esplanade of Tampa

Low $300s - Low $400s

If living close to the city is important, Esplanade of Tampa is a solid choice for 55+ buyers. There’s no age restriction in place, so buyers can move in with adult children or even grandchildren.

This community of new and resale single-family homes is in the neighborhood of Tampa’s best attractions, including the Tampa Bay Museum of Art, Amelie Arena, which hosts concerts, shows, and Tampa’s professional hockey team, and great shopping and dining right off Interstate 75 at The Shops at Wiregrass.

Models have two or three bedrooms and between 1,856 and 3,006 square feet. There’s lots of outdoor living space, huge walk-in closets, and open floor plans that make entertaining easy. Numerous golf courses and nature preserves are nearby, and the community is close to the airport, malls, and retail centers.

Heather Ridge - Dunedin

Below $100k - High $100s

One of the most affordable places to find Tampa Bay real estate is at Heather Ridge in Dunedin. This 55+ community is cozy and close, with 273 attached villas and condo properties.

None of the residents notice that they don’t have a golf course on-site because they’re too busy playing shuffleboard, enjoying one of the three outdoor pools, and organizing community picnics and other events. Ducks can be found enjoying the community’s pond, and there are pleasant places to take a stroll or enjoy a morning coffee.

Attached villas have two bedrooms, two bathrooms, and a one-car garage. They range in size from 1,040 to 1,580 square feet. Condos have one or two bedrooms, one or two bathrooms, and a parking space. The square footage starts at 815 and goes up to 1,060.

Dunedin is fun for nature lovers and beachgoers, especially at nearby Honeymoon Island State Park, where there’s great shelling, fishing, and hiking.

Villas of Lake Arbor - Clearwater

Mid $100s - High $100s

Waterfront, Clearwater real estate is affordable and fun at Villas of Lake Arbor. There’s no golf course, but the 55+ condo community is close to several championship courses for residents who want to play from time to time.

This community of attached villas and low-maintenance condos is also close to Clearwater Beach and Pier 60, which is famous for its sunsets. Most of the homes have views of the lake, and there’s also a fishing pier and trails for walking, biking, and jogging.

Condos are in two-story buildings and 1,135 to 1,225 square feet with two bedrooms and two bathrooms. The villas are a bit larger, with between 1,205 and 1,650 square feet and two or three bedrooms.

In addition to the fishing lake and pier, residents enjoy a clubhouse with a multi-purpose room for holiday parties, socials, and events, and an outdoor heated pool. It’s not a sprawling neighborhood; there are only 121 homes, making it a great choice for buyers who enjoy a secure sense of community.