Looking to buy a home in a 55+ golf community? Here's what you need to know:
- Community rules (age limits, guests, pets)
- Golf course details (access, fees, maintenance)
- HOA information (costs, coverage, financial health)
- Amenities (gym, pool, social groups, dining)
- Healthcare access (nearby hospitals, on-site care)
- Home features (layout, accessibility, energy efficiency)
- Financial aspects (taxes, home values, senior loans)
- Climate (year-round golf weather, disaster risks)
- Location (nearby services, community transport)
- Social life (current residents, events, volunteering)
- Future plans (upcoming changes, long-term goals)
| Factor | Why It Matters |
|---|---|
| Rules | Affects daily life and visitors |
| Golf | Impacts enjoyment and costs |
| HOA | Influences finances and upkeep |
| Healthcare | Critical for long-term well-being |
| Future Plans | Can affect property value and community feel |
Before buying, research thoroughly, visit the community, talk to residents, and consider your long-term needs. This decision will shape your retirement lifestyle, so take your time to find the right fit.
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1. Community Rules
When buying a home in a 55+ golf community, understanding the rules is key. These guidelines help keep the community running smoothly and ensure everyone's comfort. Let's look at three main areas:
Age Requirements
Most 55+ communities follow the "80/20 rule":
| Rule | Description |
|---|---|
| 80% of units | Must have at least one resident aged 55 or older |
| 20% of units | Can have younger residents |
But don't worry if you're not quite 55 yet. Rebecca Hidalgo Rains, Managing Broker for Integrity All Stars @Berkshire Hathaway HomeServices, explains:
"In a 55-plus community you will never be micromanaged. Your independence is always respected within these communities."
Some communities allow spouses or partners over 40 and adult children over 18 to live there too. Always check the specific rules before buying.
Guest Rules
Visitors are usually welcome, but there may be limits on how long they can stay. For example:
- Short-term guests might be allowed for a few weeks
- Longer stays might need approval from the homeowners association (HOA)
- There could be rules about using community facilities
Ask about these policies before you buy to make sure they fit your lifestyle.
Pet Rules
Good news for pet lovers: most 55+ communities allow pets. But there are often rules to follow:
- Breed or size restrictions
- Leash requirements in common areas
- Pet waste cleanup rules
Some communities even have special areas for pets. For instance, many 55+ communities in Arizona have dog parks where pets can play.
2. Golf Course Information
When buying a home in a 55+ golf community, the golf course itself can make or break your decision. Here's what to look into:
Resident Access
Check how easily residents can use the course:
- Tee time availability
- Booking system
- Any restrictions on play
For example, The Villages in Florida offers about 10,000 tee times daily across its 54 golf courses, making it easy for residents to play.
Membership Costs
Golf memberships can be pricey. Here's a breakdown of costs at Ventana Canyon Golf and Racquet Club:
| Membership Type | Initiation Fee | Monthly Dues |
|---|---|---|
| Golf (Family) | $20,000 | $1,389 |
| Golf (Single) | $20,000 | $1,257 |
| Golf (Senior) | $20,000 | $1,156 |
Some communities, like Del Webb's Sun City locations, include golf in their HOA fees, which can save you money.
Course Upkeep
The condition of the course affects your playing experience and home value. Ask about:
- Maintenance schedule
- Recent upgrades
- Plans for future improvements
For instance, Trilogy at Encanterra boasts a well-maintained 18-hole championship course with a 60,000-square-foot clubhouse.
3. Homeowners Association (HOA)
When buying a home in a 55+ golf community, understanding the HOA's role is key. Here's what to check:
HOA Fees
HOA fees can vary widely between communities. In Phoenix retirement communities:
| Community Type | Typical Monthly Fee Range |
|---|---|
| Basic | $200 - $300 |
| Luxury | $500+ |
Note: Fees can increase over time. Ask about the community's history of fee changes.
What HOA Fees Cover
HOA fees typically pay for:
- Lawn care
- Common area upkeep
- Amenity access (pools, gyms, etc.)
- Some utilities
In condos, fees often include exterior building maintenance too.
Tip: Get a detailed breakdown of what's covered. This helps you budget for extra costs not included in the HOA fee.
HOA Financial Health
A strong HOA keeps the community in good shape. Check these key points:
- Reserve Fund: Should cover at least 70% of future costs.
- Delinquency Rate: Aim for less than 15% of owners behind on payments.
- Budget: Review for proper planning and spending.
Red Flag: A low reserve fund (0-30%) puts the community at high risk of special assessments.
Bill Gassett, a real estate agent, states: "Understanding a Homeowner Association's (HOA) financial stability is crucial for maintaining property values and ensuring residents' high quality of life."
Remember: A well-run HOA keeps your community nice and your property value stable. Don't skip this step when house hunting!
4. Other Community Features
When looking at 55+ golf communities, don't just focus on the greens. Check out these other features that can make your life more enjoyable:
Gym and Pool Access
Many communities offer top-notch fitness facilities. For example, Del Webb's 55+ communities in Arizona provide:
| Amenity | Details |
|---|---|
| Fitness Centers | State-of-the-art equipment |
| Indoor Pools | Year-round swimming |
| Outdoor Pools | Perfect for Arizona summers |
Social Groups
Joining clubs is a great way to meet people with similar interests. Look for communities that offer:
- Book clubs
- Hiking groups
- Art classes
- Card game nights
Del Webb communities have Lifestyle Directors who organize events, day trips, and clubs to help you connect with others.
Eating Options
Good food can make community living even better. Here's what to look for:
| Dining Option | Description |
|---|---|
| Restaurant-style | Changing menus with multiple entrees |
| Casual cafes | Made-to-order sandwiches and lighter fare |
| Bistros | Quick grab-and-go options |
Some communities, like those run by Senior Lifestyle, offer 2-3 meals a day prepared by chefs. They focus on nutritious options, including healthy snacks and locally-sourced foods.
Lucy Pietrofesa, a resident at Springpoint community Monroe Village, shares: "Mealtimes here are nice because the food is good, and you meet a lot of people. At the same time, I like to cook in my apartment and go out to eat with friends. The meal plans are flexible so it's perfect for someone like me."
When touring communities, ask about:
- Menu variety
- Special diet options
- Meal plan flexibility
- Additional on-site restaurants
5. Healthcare Access
When looking at 55+ golf communities, healthcare access should be a top priority. Here's what to check:
Nearby Hospitals
Find out how close the nearest medical facilities are. For example:
| Hospital | Rank in Arizona | Specialties |
|---|---|---|
| Mayo Clinic Phoenix | 1 | 11 adult specialties |
| Banner University Medical Center Phoenix | 2 | 5 specialties |
| Banner University Medical Center Tucson | 3 | 3 adult specialties |
Mayo Clinic Phoenix offers top-notch care in areas like pulmonology, nephrology, orthopedics, and cancer treatment.
On-site Medical Help
Some communities offer medical services right on the premises. For instance:
- Sun City has an on-site hospital
- PebbleCreek features a 47,000-square-foot fitness center with an indoor walking track
Emergency Systems
Look into safety measures for residents. Many communities now use advanced alert systems:
- Wireless emergency response systems let residents call for help with a button push
- Visual-audio nurse call systems improve staff response time
- Mobile call systems provide real-time data tracking
Sara Wright from Rosemark at Mayfair Park shares:
"I can't imagine going back to a building that has walkie-talkies or pagers. It's crazy that's acceptable - makes everyone's job so much harder. Residents shouldn't have to hear all that back and forth talking like a construction site, it's their home."
When touring communities, ask about:
- 24/7 emergency response
- On-site medical staff
- Partnerships with local hospitals
- Transportation to medical appointments
6. Home Design and Access
When buying a home in a 55+ golf community, it's key to think about how the house will work for you now and in the future. Here are some things to look for:
One Floor or Multiple
Single-level homes are often best for older adults. They:
- Lower the risk of falls
- Are easier on the knees
- Make daily tasks simpler
If you're looking at multi-story homes, consider:
- A main-floor bedroom and bathroom
- Space for a future stairlift
Easy Movement Features
Look for design elements that make getting around easier:
| Feature | Benefit |
|---|---|
| Wide doorways | Fit walkers and wheelchairs |
| Zero-entry exterior doors | No steps to navigate |
| Lever door handles | Easier to use than knobs |
| Rocker light switches | Simple to operate |
Energy Saving Features
Energy-efficient homes can help lower your bills. In Arizona, many new homes are built to high efficiency standards:
- 60 HERS score (40% more efficient than required)
- Energy Star appliances (save 10-50% on energy and water)
- High-efficiency HVAC with programmable thermostat
- Dual-pane windows with special glass
"Rising energy costs, climate change and a growing awareness of the impact we have on this planet are changing the way homes are built."
Remember, small changes can make a big difference. Alfred, 77, had new railings installed to help him get inside safely. He says, "It's 100% better."
When touring homes, ask about:
- Bathroom accessibility (grab bars, walk-in showers)
- Kitchen design (easy-to-reach cabinets, pull-out shelves)
- Lighting (bright, even light throughout)
- Smart home features (automated lighting, temperature control)
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7. Money Matters
When buying a home in a 55+ golf community, it's key to understand all the costs involved. Let's look at three main areas:
Property Taxes
In Arizona, seniors can get help with property taxes:
- Senior Valuation Protection Option: Freezes property valuation for those 65+
- Income limits: $35,184 for single owners, $43,982 for 2+ owners
- Application deadline: September 1st
- Duration: Good for 3 years, can be renewed
"The Senior Valuation Protection Option is a great way for senior homeowners to save on property taxes." - Paul B. Bartlett, Attorney - Tucson, Arizona
Home Value Trends
Look at how home prices have changed over time in the community. For example:
| Community | Price Range |
|---|---|
| The Villages | $155,000 - $2.1 million |
| Sun City Grand | $145,000 - $1.09 million |
Keep in mind:
- 34% of U.S. homes are owned by residents 60+
- 20 million homes may hit the market through mid-2030s
This could affect future home values in 55+ communities.
Costs Beyond the Purchase Price
Don't forget about ongoing expenses:
| Expense Type | Details |
|---|---|
| HOA Fees | Can exceed $800/month |
| Property Taxes | Varies, but seniors may qualify for reductions |
| Utilities | Sometimes included in HOA fees |
| Golf Memberships | May be extra, check community rules |
Bob Anckaitis, who bought in The Villages, advises: "We paid $320,000 cash for our second home here. No waiting, no appraisal. But you need to factor in all the extras."
Remember to ask what's covered in your HOA fees. Some communities include more than others.
8. Weather and Climate
Weather plays a big role in your daily life and home upkeep in a 55+ golf community. Let's look at how it affects your golfing and safety.
Year-round Golf Weather
Arizona's climate is great for golf, especially from fall to spring:
| Season | Temperature Range | Golfing Conditions |
|---|---|---|
| Fall/Winter (Nov-Mar) | 70s°F (highs) to 40s°F (lows) | Prime golfing season |
| Summer | Around 100°F | Very hot, fewer crowds |
Tips for golfing in different seasons:
- Fall/Winter: Use more club as the ball travels less in cool air
- Summer: Drink lots of water and wear sunscreen
Natural Disaster Risks
Arizona faces some weather risks you should know about:
| Disaster Type | Risk Level | % of Homes Affected |
|---|---|---|
| Heat Waves | High | 53% |
| Wildfires | High | 74% |
| Floods | Medium | 18% |
How to prepare:
- Heat waves: Keep your AC in good shape
- Wildfires: Create a safe zone around your home
- Floods: Know evacuation routes
Remember, only 25% of older adults who need power for medical equipment have a backup source. Check if your community has a "Citizens at Risk" program for emergencies.
9. Getting Around
Nearby Services
Check how close shops, entertainment, and airports are to the community. This can make a big difference in your daily life.
| Service Type | Ideal Distance |
|---|---|
| Grocery stores | Within 5 miles |
| Hospitals | Within 10 miles |
| Airports | Within 30 miles |
Community Transport
See if the community offers rides or if public transport is nearby. This is key for staying active and independent.
- Look for scheduled trips to medical appointments and shopping centers
- Check if on-demand transport is available for personal errands
- Ask about partnerships with local agencies for extra transport options
Walking in the Community
Check if it's easy to walk to amenities and social events. Good walkability can improve your health and social life.
- Look for well-maintained sidewalks and paths
- Check the distance between your home and community centers
- Ask about walking groups or clubs
Tip: Use online tools to check the Walk Score of the area. A higher score means better walkability.
10. Community Life
A friendly community can make living in a 55+ golf community more fun. Here's what to check:
Current Residents
Find out about the people living there now:
- Age range
- Backgrounds (e.g., retired military, professionals)
- Common interests
Tip: Visit during community events to meet residents and get a feel for the social atmosphere.
Social Events
Look into activities that help you meet people:
| Event Type | Examples |
|---|---|
| Seasonal | Taste of the Tropics, Under the Boardwalk |
| Sports | Golf tournaments, pickleball leagues |
| Cultural | Art classes, book clubs |
| Social | Dinner parties, movie nights |
Many communities offer regular events. For example, Sun City Center near Tampa has eight golf courses and lots of social clubs.
Volunteer Work
Check for ways to help out:
- Community committees
- Local charities
- Mentoring programs
Jim Wagner, an 83-year-old resident at Friendship Village Columbus, stays busy by joining committees and directing the choir.
Remember, getting involved is key to feeling at home. As Carolyn Randolph from Friendship Village Columbus says:
"Put yourself out there and start sampling these engagement opportunities."
11. Future Plans
When buying a home in a 55+ golf community, it's key to look into what's coming next. Changes can affect your life there and your home's value.
Upcoming Changes
Ask about building plans or upgrades in the works. These might include:
| Type of Change | Examples |
|---|---|
| New Amenities | Fitness center, pool, clubhouse |
| Infrastructure | Road improvements, landscaping |
| Home Upgrades | Solar panels, smart home tech |
For instance, Sun City plans to add new amenities and services to make living there even better.
Long-term Community Plans
Find out about the community's vision for the future. This could cover:
- New features or services
- Expansion plans
- Updates to existing facilities
Rio Verde Country Club, for example, aims to renovate its golf courses and add new amenities.
Conclusion
Buying a home in a 55+ golf community is a big decision that needs careful thought. Here are the key things to remember:
- Do your homework: Research the community, its rules, and its finances.
- Think long-term: Consider how the home and community will fit your needs as you age.
- Check the details: Look into HOA fees, golf course access, and healthcare options.
- Visit and talk: Spend time in the community and chat with current residents.
- Plan your finances: Understand all costs, including property taxes and membership fees.
Remember, this is likely a long-term investment. Take your time and make sure it's the right fit for your retirement lifestyle.
| Key Consideration | Why It's Important |
|---|---|
| Community Rules | Affects daily life and guests |
| Golf Course Info | Impacts enjoyment and costs |
| HOA Details | Influences finances and community upkeep |
| Healthcare Access | Critical for long-term well-being |
| Future Plans | Can affect property value and community feel |
FAQs
How much does it cost to live in a 55+ community in Arizona?
The cost of living in a 55+ community in Arizona varies, but here's a breakdown:
| Expense Type | Average Cost |
|---|---|
| Monthly Living Expenses | $2,300 - $2,400 |
| Home Prices | $200,000 - $700,000+ |
Keep in mind:
- These figures don't include food, travel, or other personal expenses.
- Costs can change based on the specific community and its amenities.
- Your mortgage amount will impact your monthly costs if you're buying a home.
For example, in Scottsdale, AZ, a popular retirement spot:
- Average rent for a one-bedroom apartment: $2,050
- Average home value: $798,200
Remember, Arizona offers perks for retirees:
- No tax on Social Security benefits
- Lower property taxes compared to many other states
- About 300 days of sunshine per year, perfect for golf enthusiasts
When budgeting, factor in:
- HOA fees
- Golf membership costs (if applicable)
- Healthcare expenses
Each community is unique, so always research thoroughly before making a decision.
