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Florida 55+ Communities Near the Beach

Retiring near the beach is a dream for many, and Florida’s 55+ communities offer the perfect blend of sun, sand, and luxury living. From the Gulf Coast’s tranquil waters to the bustling Atlantic Coast, Florida is home to a variety of active adult communities designed to cater to those seeking a vibrant lifestyle in a coastal setting. Whether you're drawn to waterfront views, outdoor recreation, or world-class golf, Florida’s beachside retirement communities provide the ideal location for your next adventure.

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Why Retire in a Florida Beach Community?

Florida is a top retirement destination, and for good reason. With its year-round warm weather, low taxes, and miles of coastline, it's no wonder that retirees flock to the Sunshine State. Choosing a 55+ community near the beach offers several benefits that enhance your retirement experience.

Coastal Living at Its Best

Retiring near the beach means waking up to the sound of waves and spending your days enjoying beach walks, fishing, and water sports. These communities offer easy access to Florida’s most beautiful beaches, giving you the ultimate coastal lifestyle.

Active Adult Amenities

Florida’s 55+ communities are designed for those who want to stay active and engaged. Many communities feature amenities such as golf courses, tennis courts, swimming pools, and fitness centers, providing endless opportunities to stay fit and socialize with neighbors.

Tax Benefits for Retirees

Florida is a tax-friendly state for retirees, with no state income tax and no tax on retirement income. This makes it an attractive option for those looking to stretch their retirement savings.

The Best 55+ Communities Near Florida Beaches

Here are some of the top 55+ communities near Florida’s beautiful beaches, offering a wide range of amenities and lifestyle options for retirees.

Explore Villages of Citrus Hills

Villages of Citrus Hills

Located on Florida’s Nature Coast, the Villages of Citrus Hills offers a serene, nature-focused retirement experience. While not directly on the beach, it provides easy access to the Gulf Coast and is surrounded by rolling hills and conservation areas. This community is perfect for those who enjoy outdoor activities like hiking, biking, and golfing.

Location: Citrus Hills, FL
Amenities: Golf courses, tennis courts, state-of-the-art fitness center, and multiple social clubs.
Key Feature: Nature-focused living with easy Gulf Coast access.

Plantation Bay coastal retirement community in Florida

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Plantation Bay Golf & Country Club

For those seeking luxury golf living near the Atlantic Coast, Plantation Bay offers an impressive range of amenities and a relaxed coastal lifestyle. Located just a short drive from Daytona Beach, this community is perfect for beach lovers and golf enthusiasts alike.

Location: Ormond Beach, FL
Amenities: Two championship golf courses, spa, fitness center, and swimming pools.
Key Feature: Close proximity to Daytona Beach with a focus on golf and wellness.

Top Florida Golf Communities | Amelia National Golf and Country Club

Explore Amelia National

Amelia National Golf & Country Club

Amelia National is one of the premier beachside communities in Northeast Florida, offering a luxurious, resort-like atmosphere. Just minutes from Amelia Island’s stunning beaches, this community is perfect for those who want to combine golf with the coastal lifestyle.

Location: Fernandina Beach, FL
Amenities: Tom Fazio-designed golf course, tennis courts, fitness center, and spa.
Key Feature: Resort-style living just minutes from Amelia Island beaches.

Explore The Isles of Collier Preserve

The Isles of Collier Preserve

For those seeking a retirement community in South Florida, The Isles of Collier Preserve offers an ideal blend of luxury and nature. Located near Naples, this waterfront community is surrounded by protected wetlands and offers direct access to the Gulf Coast’s white sand beaches.

Location: Naples, FL
Amenities: Kayaking, hiking, clubhouse, swimming pools, and fitness center.
Key Feature: Coastal-inspired living with a strong emphasis on nature and sustainability.

Latitude Margaritaville Daytona | Florida Coastal Living | 55+ | Active Adult

Explore Latitude Margaritaville

Latitude Margaritaville Daytona Beach

Inspired by the laid-back lifestyle of singer Jimmy Buffett, Latitude Margaritaville offers a unique, fun-loving atmosphere for active adults. Located near Daytona Beach, this community is perfect for those looking to retire in a tropical, beachside setting.

Location: Daytona Beach, FL
Amenities: Resort-style pool, tropical clubhouse, fitness center, and live music events.
Key Feature: Fun and tropical atmosphere with easy beach access.

Explore Shell Point

Shell Point Retirement Community

For those looking for a waterfront community on Florida’s Gulf Coast, Shell Point offers a peaceful and luxurious retirement setting. Located near Fort Myers, this community offers access to both the Caloosahatchee River and the Gulf of Mexico.

Location: Fort Myers, FL
Amenities: Waterfront dining, boat access, fitness center, golf, and social clubs.
Key Feature: Direct access to both river and Gulf waters, perfect for boating enthusiasts.

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Frequently Asked Questions About Retiring Near Florida Beaches

What is the Best Beach to Retire in Florida?

Some of the best beaches for retirees in Florida include Clearwater Beach on the Gulf Coast and Amelia Island on the Atlantic Coast. These areas offer pristine beaches, mild climates, and vibrant communities.

Is It Better to Live on the Gulf Coast or Atlantic Coast of Florida?

The Gulf Coast offers calm waters and stunning sunsets, making it ideal for those who prefer a slower pace. The Atlantic Coast, on the other hand, is known for its larger waves and bustling beach towns, perfect for more active lifestyles.

What Are the Cons of Retiring in Florida?

While Florida offers many benefits, some cons include higher insurance rates due to hurricane risks, the summer heat and humidity, and the occasional influx of tourists in popular beach towns.

How Much Money Do You Need to Retire Comfortably in Florida?

The cost of retirement in Florida depends on your lifestyle, but gobankingrates.com conducted a study recently of what it takes to retire comfortably in all 50 states. For Florida, the study found that most retirees need about $73,646 per year to live a comfortable retirement. This can vary based on housing costs, healthcare needs, and personal preferences.

Find Your Ideal Florida 55+ Beach Community Today

Retiring near the beach in Florida offers an unparalleled lifestyle of sun, sand, and social engagement. Whether you're drawn to the luxury of Naples, the laid-back atmosphere of Daytona Beach, or the pristine waters of the Gulf Coast, there’s a Florida 55+ community perfect for you.

Explore these communities, request more information, and start planning your dream retirement today!