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Today's Community Review
Pretty Bonita Springs is on Florida's southwestern coast and is the location of Lighthouse Bay at The Brooks, a lakefront community with a private beach, five swimming pools, tennis courts, a nature preserve and low maintenance waterfront homes.
Previous Community Reviews
Lago Vista sits along 19,000-acre Lake Travis about 20 minutes outside of Austin in the Texas Hill Country and is a waterfront master planned community with brick single family homes, a beach, a waterfall edge pool, a boat launch and more.
Just outside of Charlotte, North Carolina, Lancaster is the site of Tree Tops, a wooded 55+ community with a charming village center, a rookery, nature paths, a putting green, an amphitheater, single family homes and more.
In central Florida, Kissimmee is the site of Solivita, a large Mediterranean-themed 55+ community with single family homes, duplexes, two giant clubhouses, 36 holes of golf, an art center, a dog park, a lifestyle team and more.
Hendersonville is a touristy small town in the Blue Ridge Mountains of western North Carolina and is the site of Carriage Park, a lush, secluded mountaintop community with town homes, single family homes, a lake and incredible views.
Green Valley is south of Tucson in southern Arizona and is the location of Quail Creek, a large gated 55+ community with Mediterranean-style single family homes, town homes, 27 holes of golf, a clubhouse, an athletic center, tennis courts, pickleball courts, RV parking, fishing lakes, pretty views and more.
Wimauma is about 20 miles inland from Florida's Gulf Coast and is the setting for Little Manatee Springs, a pretty 55+ manufactured home community nearly surrounded by Little Manatee River State Park. It has gated access, palm trees, spring-fed lakes, a nine hole golf course, covered RV parking, nature trails and more.
Outside of charming Charleston on the mid-South Carolina coast, the Elms of Charleston is a gated 55+ community with single family homes and town homes in a wooded setting. Amenities include a clubhouse, a swimming pool, tennis courts, walking paths, an activities director and more.
Age Restricted Communities 101
The kids have moved out. They have launched themselves into a career, parenthood, home ownership. You decide it's time to downsize. But how? Into where? You're still healthy, active. You're not ready for a continuing care community. The decision can be daunting.
A 55-plus or active-adult community is one option. The only legal exception to non-discriminatory fair housing laws, an age restricted community is run by a homeowners association that offers some exterior maintenance and amenities to its members. Amenities could include a private golf course, sizable clubhouse, 24/7 security, or transportation to and from local hospitals or shopping malls. Housing in such a community can range from modest condominiums to attached homes to luxury estates.
How will you decide? Are you ready for the time it might take? Demand for homes in active-adult communities is on the rise. You'll be competing against other baby boomers, maybe even some Gen-Xers. Start your research a few years before your retirement date. Find a real estate agent that specializes in master-planned communities or senior home purchases. The National Association of Realtors does offer training and certification for senior specialists.
Look at the location. Does it have the right weather? Is it close enough to family? Is downtown too far away or not far away enough? Will you have acclimate? What are local taxes like? Check out the neighbors. Are these the people you want to age with? Make sure you know what services might be available for you as you age. Is your 55-plus community near a hospital, a grocery store, a bank, a pharmacy? Can they get you to the hospital and grocery store once you decide you no longer want to drive? Maybe the community offers grocery delivery? Are there senior fitness classes, personal trainers?
Be sure you understand what amenities you are paying for. Some communities require that you buy an equity membership or hide the cost of that lap pool and golf course in high HOA fees. Inspect your prospective community's activity calendar. Does it have the right mix of leisure and lecture? Are there too many card tournaments and not enough day trips? Do you hate golf, need 39 shuffleboard courts? Is there an activities director?
Understand your prospective HOA. How long is the list of restrictions? Do the board politics give you pause? Will they force you through a long approval process? Will they ask you for bank records and references?
Investigate the community's financials. Are they solvent? How well did they weather the crisis when the housing bubble burst in 2008? And what about the builder? How long have they worked for seniors? Do they understand aging in place? Do they understand the need for zero step entries, wider hallways? Or have they just gotten into the game? Del Webb is credited with inventing the age-restricted community. Keep your eye on what they're building. Other companies to watch are Lennar, Shea, and Taylor Morrison.
Remember, you're not just buying a new house. You're buying a new way of life.
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