View of a beach at sunrise on Florida's Treasure Coast

Active adult seeking a picturesque, beach-side retirement should consider the 55+ communities on Florida's Treasure Coast.

If you’re going to live on the Treasure Coast in Florida, why not live near the beach? Sure, the area has a lot of other things going for it, like golf, shopping, and the freshest seafood you can find, but when buyers imagine a coastal Florida retirement, sunbathing, fishing, and boating surely come into play. 

We’ve got a list of the best Treasure Coast 55+ communities that are minutes from the beach. Pack your sunscreen and bring a snorkel. It’s time for some fun in the sun.

1. Circle Bay Yacht Club - Stuart, FL

Low $100s - High $200s

Buyers who want to live right on the water can choose a condo at Circle Bay Yacht Club in Stuart. This 55+ community faces the St. Lucie River, and it’s only a few minutes away from Jensen Beach. The boat docks are heated, and there are also shuffleboard courts, a pool, and a grilling area on the patio. The clubhouse includes a library, a billiards room, and a hobby shop. Friday social hours are popular within the small community, and residents also get together for art classes and yoga.

Buyers will find 295 condo units in three-story buildings with elevators and screened balconies, many of which look out at the water. Homes offer one to three bedrooms with one-and-a-half or two bathrooms. There are covered carports and the floor plans have from 756 to 1,299 square feet. Residents can spend every day at Jensen Beach if they want to, and after sunbathing and surfing, it might be time to enjoy the catch of the day at Lures Riverfront Restaurant or Conchy Joe’s Seafood.

2. Vista Del Mar - Vero Beach, FL

High $100s - Low $300s

Residents of Vista Del Mar in Vero Beach can’t get much closer to the beach because they’re literally living on it. They have their own private stretch of Atlantic shoreline, and they’re also in the middle of a thriving beach town, where there’s shopping, dining, and lots of entertainment. This gated 55+ condo community also has an inviting pool and patio, shuffleboard courts, bocce ball courts, a picnic area, and several walking trails. There’s a clubhouse with a multi-purpose room, billiards, and a library.

For being on the beach, these resale condo homes are affordable and spacious. They have 800 to 2,000 square feet with one or two bedrooms, one or two bathrooms, and features like Florida rooms and private balconies. Residents have assigned parking and some homes have upgrades like tile floors. Anyone who wants to mix and mingle with locals can easily access local parks like Round Island Beach Park, which is a short drive from Vista Del Mar. 

3. Tarpon Bay Yacht Club - Port St. Lucie, FL

Mid $100s - High $200s

With boat docks and just a few minutes between the property and the beach, Tarpon Bay Yacht Club is an excellent choice for active adult buyers who want to be as close as possible to the water without buying a houseboat. The condo units are large with between 1,314 and 1,666 square feet, two bedrooms, and two bathrooms. The 120 units are in six buildings, each three stories high. They all have elevators and security. This 55+ community is professionally managed, and exterior maintenance and landscaping are taken care of by the community association.

The boat docks on the water can accommodate vessels up to 50 feet with a six-foot draft. Kitching Cove and the St. Lucie Inlet take boaters out to the Intracoastal Waterway and the Atlantic, and if kayaking is more your thing, there’s good news—the Okeechobee Canal is close by. Amenities outside of the easy beach access include a clubhouse with a workshop and a common area. There’s a library, billiards, and a multi-purpose room where meetings and community events are held. At Tarpon Bay Yacht Club, residents have access to a pool, patio, shuffleboard courts, pickleball, and tennis. The grounds are well-landscaped with lush native foliage and mature fruit trees.

4. Sea Pines - Hobe Sound, FL

Below $100K - Mid $100s

Sea Pines is an established 55+ community in a desirable location, especially for buyers who want to live a beach-ready lifestyle. Hobe Sound has a tranquil and tourist-free beach as well as a nature center and Jonathan Dickinson State Park, where visitors can go boating, fishing, or hiking. The attached homes at Sea Pines are comfortable and low-maintenance with two bedrooms, two bathrooms, and an attached one-car garage. They offer 1,296 square feet and a den.

Residents enjoy the clubhouse, which includes a library, a multi-purpose room, and space for billiards. There’s a hobby and game room as well as an outdoor pool and patio. Two shuffleboard courts are available, and there’s a dive club at the community as well as water aerobics and bingo. Residents get together for movie nights, potluck meals, and garage sales. There are game nights and holiday parties, and frequent day trips—often to the beach.

5. Palm Grove - Fort Pierce, FL

Mid $100s - High $100s

Several beaches are within striking distance of Palm Grove, a gated 55+ community with single-family homes. They’re between 1,355 and 2,766 square feet with two or three bedrooms and two bathrooms. There’s an attached one-car garage, and most of the properties come with upgrades such as granite counters, high ceilings, and large master suites. There are screened porches and plenty of storage space.

Amenities include a clubhouse with a gathering room and an exercise room. There’s also a library, a card room, and space for billiards. Residents can play table tennis, shuffleboard, and bocce ball. There’s also an outdoor pool and patio, and lots of biking and walking trails that take residents past ponds and greenspaces. The closest beaches include South Beach Park, which is especially great for swimming, and Fort Pierce Inlet State Park. These—and other local beaches—are just a few minutes away from Palm Grove.