55+ Communities in Northeast Florida

This guide covers the 55+ communities in Northeast Florida, 18 age-restricted neighborhoods in all, grouped by area so you can compare builders, amenities, home types and new versus resale at a glance. Tanya Cosmini works with 55+ buyers in every one of them. Browse 55+ communities in Northeast Florida by area.

55+ Communities by Area

55+ Communities in Jacksonville

55+ Communities in Ponte Vedra and Nocatee

55+ Communities in St. Johns

55+ Communities in St. Augustine

55+ Communities in Yulee and Amelia Island

How to Choose a Northeast Florida 55+ Community

• Want golf? Stillwater is built around an 18-hole Bobby Weed course.
• Want the biggest amenity package? Look at Del Webb Nocatee, WaterSong at RiverTown and Del Webb Saint Johns.
• Want to be close to Mayo Clinic and St. Johns Town Center? Compare Del Webb eTown, Sweetwater and Regency at EverRange.
• Want low-maintenance villas in town? Everlake at Mandarin is all paired villas.
• Want luxury single-story new construction? Regency at EverRange by Toll Brothers.
• Want Amelia Island access? Del Webb Wildlight and Lakeview at Tributary in Yulee.
• Want to be near historic St. Augustine? Freedom at San Salito off State Road 16.
• Want a lower entry price? Resale condos and villas in Sweetwater, Bridge Bay and new homes in Edenbrooke in Green Cove Springs are worth a look.

What to Know Before You Buy in a 55+ Community

• Age-restricted vs. age-targeted. An age-restricted (55+) community follows the federal Housing for Older Persons Act: at least 80% of occupied homes must have at least one resident 55 or older. An age-targeted community is marketed to older buyers but anyone can buy. Every community on this page is age-restricted unless noted.
• HOA and CDD costs. Most 55+ communities have HOA dues that cover the clubhouse, amenities and often lawn care. Many newer Northeast Florida communities also carry CDD assessments on the tax bill. Always compare the total yearly cost, not just the price.
• New construction vs. resale. New homes let you pick the plan and finishes; resales are often move-in ready with landscaping and upgrades already done. Tanya compares both for you.
• Register your agent first. Many builders require your agent to register you or attend your first sales-center visit. Call Tanya before you tour so you keep your own representation.
• Florida homestead exemption. If the home is your permanent residence, you may qualify for Florida’s homestead exemption, which can lower your property taxes. File with the county property appraiser.
• Flood zone and insurance. Ask for the flood zone and get insurance quotes before your inspection period ends.

Get Your Personalized 55+ Community Shortlist

Tell Tanya your budget, timing and must-haves, and she will send you a side-by-side list of matching 55+ homes, current builder incentives and recent sales.

Why 55+ Buyers Work With Tanya Cosmini

Tanya Cosmini is a Realtor with Realty ONE Group Elevate who helps buyers compare every active adult community in Northeast Florida, from the big Del Webb communities to boutique villa neighborhoods. On Homes.com she shows 83 closed sales totaling $41.8 million over the prior five years and a 5.0-star rating from 22 reviews, and she holds the CLHMS, ABR and MRP designations. Unlike national 55+ websites that pass your information to a referral agent, you work with Tanya directly from your first question to closing day. Call or text (904) 439-9842.

Northeast Florida 55+ Communities FAQ

How many 55+ communities are in the Jacksonville area?

This guide covers 18 age-restricted communities across Duval, St. Johns, Nassau and Clay counties. New neighborhoods open regularly, so ask Tanya for the latest list.

Which Northeast Florida 55+ communities are gated?

Most of them, including the Del Webb communities, WaterSong, Stillwater, Regency at EverRange and the Reverie neighborhoods. Check each community page for details.

Can I buy in a 55+ community if my spouse is younger than 55?

Usually yes. Under federal rules, a 55+ community needs at least one resident age 55 or older in at least 80% of occupied homes, and each HOA sets its own rules for younger residents. Review the community documents before you buy.

Do I pay more if I use an agent for new construction?

Ask the builder how it handles buyer-agent compensation and incentives. Tanya will walk you through it before you visit, and she will register you so you keep your own representation.

Learn how Tanya helps 55+ buyers.

Community details come from builder websites, press releases and public listing data as of November 2026 and can change at any time. Prices, incentives and availability are not guaranteed. Tanya Cosmini and Realty ONE Group Elevate are not affiliated with any builder or HOA named on this page. Equal Housing Opportunity.