Blue sky over a boating dock at Colonnades at Fort Pierce in Fort Pierce, Florida.

The Treasure Coast is an idyllic area for active adults looking to downsize into a Florida retirement.

If downsizing into a Florida retirement is part of your future plans, there are some interesting and affordable opportunities on the Central Atlantic Coast in cities like Port St. Lucie, Vero Beach, and Fort Pierce. Florida’s Treasure Coast is just south of Cocoa and Daytona Beach and north of Palm Beach. There are ocean breezes, excellent golf, and a rich history and culture tucked away in an area that’s not as driven by tourism as some of the state’s other coastal regions. 

Buyers looking for Treasure Coast homes for sale that are ideal for downsizing might want to consider these 55+ communities.

1. Kings Isle - Port St. Lucie, FL

High $100s - High $200s

Club Med Sandpiper Bay along the banks of the St. Lucie River in south Florida

The homes at Kings Isle offer low-maintenance living. (Image credited to Pat McGinley /

Buyers looking for a full-time Port St. Lucie home will find downsizing easy at Kings Isle. With front porches and private patios, the attached villas and single-family homes offer low-maintenance living. Courtyard homes are attached with two bedrooms, two bathrooms, and assigned covered parking. They range from 969 to 1,216 square feet with open floor plans in four models. Manor homes offer slightly larger single-family models.

A golf club, a photography club, and a Habitat for Humanity group are just some of the ways residents enjoy their free time together. The 15,000-square-foot clubhouse offers plenty of space for meetings and parties. There’s also a fitness center, an arts and crafts studio, a library, an outdoor pool, and a patio as well as tennis, shuffleboard, and bocce ball courts. Some of the most popular amenities include the sandy beach area and the golf practice stalls.

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2. LakePark at Tradition - Port St. Lucie, FL

Mid $200s - Low $400s

The community sign for LakePark at Tradition in Port St. Lucie, Florida

This 55+ community is affordable, friendly, and full of amenities.

LakePark at Tradition is an affordable option for buyers who want to downsize within a master-planned community on Florida’s desirable Treasure Coast. Inside of Tradition, this 55+ community is affordable, friendly, and full of amenities and social opportunities. Residents can choose a single-family home or an attached villa, and the homeowners' association handles lawn care, irrigation, common area upkeep, high-speed internet, security alarm monitoring, and amentity maintenance.

The private LakePark at Tradition amenities are perfect for active adults interested in fitness and outdoor activities. There’s a clubhouse, a fitness center, a cabana, and a screened lanai. Residents can enjoy the pool, event lawn, and several well-landscaped trails and paths for walking or biking. The TownPark at Tradition amenities are also available, offering a billiards parlor, a basketball court, and horseshoe pits.

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3. Montego Cove - Stuart, FL

Low $200s - High $200s

Aerial view of Bathtub Reef Beach in Stuart, Florida

Montego Cove keeps residents entertained with a variety of activities. (Image credited to Noah Densmore /

When downsizing is about saving money and spending more time with a fishing pole, Montego Cove in Stuart might be the best place to buy a home. With two fishing lakes and a nature preserve, it’s a pleasant place to live, and with all the holiday parties, seasonal events, and competitive card games, it’s also a great place to make some new friends. The social committee at Montego Cove keeps residents entertained with a variety of activities.

The 30 condo buildings in this community house 182 homes, providing homeowners with a low-maintenance lifestyle. Screened patios and porches offer views of the lakes and the preserve. Three models are available with 1,462 to 1,722 square feet, two bedrooms, two bathrooms, and an attached one-car garage. The Dominica floor plan includes a den which can also be used as a third bedroom. Amenities include a pool, tennis, shuffleboard, and a clubhouse with a lounge.

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4. Colonnades at Fort Pierce - Fort Pierce, FL

Mid $100s - Mid $200s

View of the outdoor pool and patio at Colonnades at Fort Pierce with palm trees and patio chairs on a sunny day.

Residents here can enjoy the Florida weather at the community pool. 

Downsizing doesn’t have to mean giving up your boat, especially when you buy a waterfront home at Colonnades at Fort Pierce. This 55+ community in historic Fort Pierce provides affordable home prices, low-maintenance living, and a dock with boat slips. There’s also storage for boats and RVs; a bonus for buyers who want a permanent home but plan to travel by land or sea. Additional amenities include tennis courts, shuffleboard courts, a pool, and a clubhouse with a library and a game room.

Resale condos in this community offer 564 to 1,316 square feet with one or two bedrooms, one or two bathrooms, and assigned parking. There are 250 condo homes total, and buyers will appreciate the upgrades and updates that have been made to most of the units, including granite countertops, high-quality cabinets, tile floors, and stainless appliances. Screened porches offer waterfront views.

Request more information about Colonnades at Fort Pierce.

5. Harmony Reserve - Vero Beach, FL

Mid $200s - Mid $500s

View of the entrance sign at Harmony Reserve with Christmas wreaths decorating it.

Harmony Reserve residents enjoy social activities like cooking classes and movie nights.

New and resale homes are available at Harmony Reserve in Vero Beach, and the attached villa models are especially great for buyers who hope to downsize into a simple but active lifestyle. There are six models ranging from 1,219 to 1,415 square feet with two or three bedrooms, two bathrooms, and one-car garages. Some have extra garage space for a golf cart or storage.

Movie nights, cooking classes, and social gatherings are always on the schedule at this 55+ community. There’s a clubhouse, a fitness center with a movement studio, a game room, a card room, and a cooking kitchen. Outside, there's a pool, a patio, tennis courts, and pickleball courts. Also, the beach is just a few miles away.

Request more information about Harmon Reserve.