All homes are single story, but the condos are in buildings with two stories. Most units have two bedrooms and up to 1,235 square feet of living space. Some have wood laminate flooring, stainless steel appliances, upgraded kitchens, and screened lanais. All come with assigned parking. The attached villas have up to three bedrooms and 1,650 square feet of living space. Some feature an eat-in kitchen, granite countertops, a Florida room, cathedral ceilings and walk-in closets. All have a carport, and assigned guest parking. Exteriors are white stucco with a red tile roof. Many homeowners enjoy a lake view. Small pets are welcome.

Prices begin in the low-$300,000s. Please verify this with a Realtor as prices are subject to change. The monthly $190ish HOA fee pays for exterior maintenance, grounds maintenance, trash pick up, and amenities.

The clubhouse has a multi-purpose room where neighbors meet for potlucks, cards, or crafts. It also has a nice deck overlooking the water. The outdoor pool is surrounded by a picnic area and park space. A community fishing pier extends into Harbor Lake. Walking trails ring the neighborhood.

The community is minutes from supermarkets, banks, malls, and big box retail. Clearwater attractions include its marine aquarium and Moccasin Lake Nature Park. Sunsets at Pier 60 are a regional tradition, and Clearwater Beach is one of the best beaches in the country.

Morton Plant Hospital, with nearly 700 beds, is accredited by the Joint Commission.

The climate is tropical. Summer temperatures are in the 80s and 90s, and winter temperatures are in the 50s, 60s and 70s. On average, the area receives 54 inches of rain per year.

Go to tinyurl.com/y257873p to see listings.

Florida:

The world's 11th largest peninsula doesn't just have an east coast and a west coast. It has a First Coast, Surf Coast, Space Coast, Treasure Coast, Gold Coast, Paradise Coast, Lee Island Coast, Cultural Coast, Nature Coast, Big Bend Coast, Emerald Coast, and a Forgotten Coast.

Each of these geographic regions is packed with its own history and attractions. The first place to be colonized by Europeans, the First Coast is rich with tidal marshes. It's the home of Amelia Island and St. Augustine. The venerable Castillo de San Marcos sits here and guards the Matanzas Bay.

Daytona Beach and the Halifax River are the heart of the Surf Coast. Automobile racing helped it develop its reputation. The area code is 386 (FUN). South of the fun is the Space Coast. Cocoa Beach, Cape Canaveral, and the Kennedy Space Center are a part of its culture.

Named after the Spanish fleet lost in a 1715 hurricane, the Treasure Coast's principle city is Port St. Lucie. It is a northern neighbor to Miami and the Gold Coast. The affluent Naples and major land reserves characterize the Paradise Coast. The Ringling Estate and Sarasota make the Cultural Coast come alive. Twenty miles of beaches along the Gulf Coast distinguish the Suncoast from the forests and blackwater rivers of the Nature Coast.

Travel up to Florida's Big Bend along its emerald waters. Find the Forgotten Coast. With no major cities, it may be the best place to enjoy the state's white-sand beaches.

Sample Home

Why are HOA Fees So High in 55+ Communities?

HOA fees (homeowner association fees) come in a wide range, and each 55+ community has a different set of guidelines for determining its HOA fees. Generally, the more amenities, the higher the fee. And often older communities have higher fees because as a development ages, maintenance costs increase. Most communities have bylaws stating how high HOA fees can be raised each year. When looking for a 55+ community, always ask about the fees. How much are they? What do they cover? How many increases have there been in the last 10 years? If the developer or sales staff will not tell you, visit on a Saturday when people are out and about and ask a resident or two about the HOA fees.

Communities by State

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