anyone retire and move to a planned community in FL?

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chipperd
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anyone retire and move to a planned community in FL?

Post by chipperd » Mon Jul 10, 2017 5:39 am

Hello all,
The wife and I have been exploring retirement options. Looking for the pros/cons of living in an active retirement community (akin to The Villages). We enjoy outdoor activities (hiking, biking, tennis) and being social on occasion, but tired of the cold winters and hcol/taxes in the northeast, and these communities seem to fit the bill.
Interested in your thoughts.
Thanks,
Chipperd

Pixafari
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Re: anyone retire and move to a planned community in FL?

Post by Pixafari » Mon Jul 10, 2017 6:40 am

Yep. Moved here almost two years ago. No regrets whatsoever. COL is quite reasonable. Lots of amenities within the community. Excellent cycling all around since this is major horse country with lots of picturesque country roads on which to ride. Looked at The Villages but found it much too big for us. Our place is about 25 miles north - perfect for us. Do note it is hot down here, but no problem for us since we moved from south Georgia with similar climate.

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midareff
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Re: anyone retire and move to a planned community in FL?

Post by midareff » Mon Jul 10, 2017 6:54 am

Friend who moved to the Villages from Miami about 4 years ago could not be happier with that move.

Daisy Dog
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Re: anyone retire and move to a planned community in FL?

Post by Daisy Dog » Mon Jul 10, 2017 9:21 am

Villages: Have heard some people love it - golf carts are a viable method of transportation and for a friend of mine who lost her driver's license due to eyesight problems, it still gave her mobility. I've heard others HATE it - call it a cult and they don't want to drink the Kool-Aid. It's a huge development and I'm sure there are lots of reviews out there. BTW, I've seen it - very pretty and I love that part of FL and you are close to the major airport - MCO.

I live in Fort Myers, gated, with all the amenities except golf course. Lots of social activities and development is on the Caloosahatchee River and we have a marina, boat slips, etc. Really nice and reasonably priced. But transportation out of RSW is cut back during off season and is a real pain to travel to some locations. For example, Frontier doesn't even fly there during off season.

But overall, FL is great - low cost of living - real estate hasn't gone through the roof - yet. The only reason I've heard why people move back to where they're from is because of family - grandkids especially.

Good luck! Let us know where you land.

Daisy Dog

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Mon Jul 10, 2017 12:39 pm

Thanks for the replies thus far. Looking forward to hearing any downsides as well if anyone knows of any other than mentioned.
Thanks again,
Chipperd

jebmke
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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Mon Jul 10, 2017 3:55 pm

Daisy Dog wrote:Villages: Have heard some people love it - golf carts are a viable method of transportation and for a friend of mine who lost her driver's license due to eyesight problems, it still gave her mobility. I've heard others HATE it - call it a cult and they don't want to drink the Kool-Aid. It's a huge development and I'm sure there are lots of reviews out there. BTW, I've seen it - very pretty and I love that part of FL and you are close to the major airport - MCO.
I have talked to people who love it there and others who tried it and didn't care for it. Some friends gave it a try for six months. They didn't like living around only old people and the ambulances creeped them out.
When you discover that you are riding a dead horse, the best strategy is to dismount.

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Tue Jul 11, 2017 5:34 am

Thanks again for the info to all.
I know that I mentioned the Villages, but only as an example, not one I am wedded to, and that seems to have thrown this in a different direction than I was hoping. Not really looking for a continuum of care place, more of an active adult community that can have mixed/all ages, that is affordable (housing 250-350k) without any kind of entry fee or assisted living option.
Thanks again

Swimmer
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Re: anyone retire and move to a planned community in FL?

Post by Swimmer » Tue Jul 11, 2017 6:03 am

We rented for three winters in The Villages before buying in 2012. We love it. There are countless opportunities for activities, growth, fitness, and volunteering. There are many ways to help others--both within and outside The Villages. There are always new things to learn. I've become a Master Gardener, am a sleuth for Seniors Vs. Crime and will be taking classes on Alternative Dispute Resolution mediation to serve as a volunteer mediator. It is safe and beautiful. Its size isn't a negative--many golf courses, pools, recreation centers fill the need.

The downsides to me: too hot in the summer so we go North; healthcare can be an issue. There's not a local teaching hospital and the one general hospital in TV is poor (Imho). There are a few good specialists but plenty who are not so good. Most folks who contract cancer and other serious health issues need to travel to Orlando, Tampa, Jacksonville, etc. doable, but not particularly convenient.

To me, the positives outweigh the negatives. That said, we are relatively youngish, healthy retirees. We truly love living in The Villages.

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Re: anyone retire and move to a planned community in FL?

Post by John Z » Tue Jul 11, 2017 6:20 am

Wife and I have been snowbirds in the Daytona area for 5 years in a mfg home community of 500 units. We really enjoy it and even go down in Sept and Oct returning north for the holidays to take advantage of warm ocean and lack of people this time of year.

We are seeing the Daytona area starting to develop in all economic areas along with a major community of Latitude Margaritaville by Minto (Canadian developer) and Jimmy Buffet. It will be a 7000+ home community with a village square and plenty of retail near a I-95 exit so easy access and about 6 miles to the beaches. Florida is a huge state with tons of communities so there are numerous areas to consider. We scouted for about 5 years before deciding on the Daytona location. Good luck and happy hunting.

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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Tue Jul 11, 2017 7:13 am

Swimmer wrote: There's not a local teaching hospital and the one general hospital in TV is poor (Imho). There are a few good specialists but plenty who are not so good.
This is an issue in our area. We retired to a semi-rural area. We plan to leave in the next few years. Just a cautionary note for people who think about retiring to the peace and quiet of "the country."
When you discover that you are riding a dead horse, the best strategy is to dismount.

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Thu Jul 13, 2017 6:23 pm

Thanks for all the input and responses. Lots to consider.

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Re: anyone retire and move to a planned community in FL?

Post by radiowave » Thu Jul 13, 2017 8:05 pm

If you're interested in an alternative to The Village, try Highland Lakes in Pinellas Co. just west of Tampa, north of Clearwater in Palm Harbor and close to the beach. My mom and dad retired there in the 90's, wonderful 55+ golf community with lots of activities but not at big as TV and closer to the gulf. Just an FYI, that part of FL is inhabited by a lot of New Yorkers, especially from Long Island so if that's a plus or minus take that into account. My parents were really happy there and made lots of friends. Healthcare is reasonable with the Morton Plant system and Tampa is just a ~30 min drive away. Onshore breezes can help decrease some of the heat/humidity but do bring a lot of thunderstorms in the summer.
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Gittel
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Re: anyone retire and move to a planned community in FL?

Post by Gittel » Thu Jul 13, 2017 11:17 pm

Lived with my mother for a while in her retirement community. The experience of whittling down one's community to a small segment of society was disorienting and unpleasant. Lived in Florida (west and east coasts) for a few years before returning north. Florida is not just unpleasantly warm in the summer, it's warm and humid most of the time (save a few weeks in February), and becomes excruciatingly so beginning in April. Most people live indoors. Hiking, biking? It's flat. Most trails embrace a few shrubs, and are dull beyond belief. In general I found Florida to be a culinary, cultural, concrete wasteland. I'll pay taxes.

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FrugalInvestor
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Re: anyone retire and move to a planned community in FL?

Post by FrugalInvestor » Thu Jul 13, 2017 11:29 pm

Our experience with an active adult communites is very positive. We do pay fairly high HOAs but they support many social activities and amenities. Our social life is very active with a large group of friends. Most of those who move to this type of community are looking for much the same things: social activities, new friendships, and physical as well as mental activity. If you're not social then it's probably a waste of money. If you are, it's great fun!
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Swimmer
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Re: anyone retire and move to a planned community in FL?

Post by Swimmer » Fri Jul 14, 2017 4:47 am

FrugalInvestor wrote:Our experience with an active adult communites is very positive. We do pay fairly high HOAs but they support many social activities and amenities. Our social life is very active with a large group of friends. Most of those who move to this type of community are looking for much the same things: social activities, new friendships, and physical as well as mental activity. If you're not social then it's probably a waste of money. If you are, it's great fun!
+1. Rent first and try it out.

blackcat4
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Re: anyone retire and move to a planned community in FL?

Post by blackcat4 » Fri Jul 14, 2017 8:06 am

Moved to Florida 10 years ago (full time) and love it:
1. No state income tax.
2. Unlimited homestead protection.
3. Strong asset protection for married couples (tenancy by the entireties)
4. Warm weather - S. Fla. has the only subtropical weather in the contiguous U.S. And the nights are warm, where you can take a walk in flip flops at night in February.
5. Clean air - Not because of environmental stewardship, but the topography. (I researched this on the EPA's website before moving here.)
6. Low cost of living, particularly compared to the other main retirement (warm weather) states.
7. The ocean water is warm, unlike in California, and a pleasure to swim in.
8. Year round biking, boating, fishing, tennis, and even spending a day at the beach.

Yes, there are no mountains. (A short flight to Asheville will give you that, for a quick getaway) and culturally isn't NYC, but I don't see myself living there, and can visit there as needed.

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Re: anyone retire and move to a planned community in FL?

Post by tech_arch » Fri Jul 14, 2017 2:02 pm

Gittel wrote:Florida is not just unpleasantly warm in the summer, it's warm and humid most of the time (save a few weeks in February), and becomes excruciatingly so beginning in April. Most people live indoors.
The heat and humidity are spot on; we have a few weeks early in the year when I enjoy being outside, but the rest of the time I love my A/C.
Hiking, biking? It's flat. Most trails embrace a few shrubs, and are dull beyond belief. In general I found Florida to be a culinary, cultural, concrete wasteland.
I've lived here all my life and couldn't disagree more. We may not have NY quality museums, but there is plenty so see, do, and eat.

Beehave
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Re: anyone retire and move to a planned community in FL?

Post by Beehave » Fri Jul 14, 2017 10:13 pm

You can also look about 15 miles south of Tampa at Sun City Center (several retirement sections) and adjacent Wimauma (one 55 and over in place and another on the way).

They are a quick ride into Tampa with its museums and healthcare. Local restaurants are generally nothing to write home about, but there is genuinely good pizza and authentic Mexican and good diner-type food available. Otherwise, best bet is drive north to Tampa or south to Sarasota.

This is a bit inland from the beaches. But you can research flood insurance - - These communities are east of FL Route 41 and I believe are out of the flood zone - - a big consideration for insurance cost if not also for safety and peace of mind. Also, to my knowledge not a sinkhole area. Be aware of the sinkhole problem in Florida (see Florida geological survey map).

Regarding posts above, yes Florida has no state income tax and is asset friendly. And yes, Florida is also flat and hot and humid. Another consideration is whether you are moving away from children or other family and how you will feel about that.

One other thing - - Florida is filled with elderly drivers, distracted drivers, etc. If bicycling is important to you, look carefully for an area (paths in a community or a nearby park) that are vehicle free. Florida is genuinely dangerous for bicyclists.

Good luck.

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Sat Jul 15, 2017 12:31 pm

Thanks again for all the thoughtful input. Our family does visit the Tampa area every year in mid-April during our kid' school vacations for the past 12 years or so and love it there (Madeira Beach). That area would be my first choice to explore, so will check out those specific recs in that area.
Thanks a bunch!
Chipperd

HoosierJim
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Re: anyone retire and move to a planned community in FL?

Post by HoosierJim » Sat Jul 15, 2017 12:47 pm

Beehave wrote: Florida is genuinely dangerous for bicyclists.
Not just bicyclists...

Evaluating your walking patterns in an area you are planning to move is a great suggestion.
Protected walking paths is a best.



Now that I am beginning to observe seniors texting,facebooking,tindering,etc while driving - it can only get worse.

Florida is the worst for pedestrian deaths.

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reriodan
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Re: anyone retire and move to a planned community in FL?

Post by reriodan » Sat Jul 15, 2017 1:05 pm

I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be drenched in sweat. Seems like an awful place for old people, but what do I know, there are a ton of them that like it I guess.

I have visited the villages a bit, and it's like being in some weird bubble world. I enjoyed myself but wouldn't live there. Also, the older people seemed to like to eat dinner around 4pm :shock:.

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Re: anyone retire and move to a planned community in FL?

Post by jpjr » Sat Jul 15, 2017 1:07 pm

If you are seeking a compromise to something not as large as the Villages (and hot as Florida) I'd suggest you look at our community near Clemson, SC. We moved here from the cold north in upstate NY as we too wanted to escape the winters. We also wanted a college town near us, and good health care facilities. We found it in Keowee Key. Look it up, you may find that it offers everything you could desire. It is close to a thriving town of Greenville and just two hours from either Atlanta or Charlotte. The cost of living is below the national average and the people are warm and welcoming. You can live on a lake or in the foothills of the Blue Ridge Mountains. This northern corner of South Carolina is heaven.

rgs92
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Re: anyone retire and move to a planned community in FL?

Post by rgs92 » Sat Jul 15, 2017 1:10 pm

Sounds too hot to me and I heard the bugs are big.

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Re: anyone retire and move to a planned community in FL?

Post by rec7 » Sat Jul 15, 2017 1:11 pm

I went to FL in April and hated the weather and I am from Missouri LOL
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Re: anyone retire and move to a planned community in FL?

Post by Mel Lindauer » Sat Jul 15, 2017 2:07 pm

I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it's best; you can wear shorts and flip-flops almost anywhere just about all year round.

Our Community's HOA takes care of everything on the outside, so I can just lock up and go away whenever I want without any worries. There's an airport in DAB with connections in Atlanta and Charlotte to anywhere you'd want to go, and we're just a shuttle ride away from Orlando International (MCO) with lots of destinations, both domestic and international.

While it is, indeed, hot in the summer here in Florida, we do get a nice sea breeze that those who live inland don't get. To me, it's much more pleasant than the hot and humid Philly summers were. We can play golf, fish and conduct any outdoor activities you'd want all year long. And we don't get any snow. A bad winter day here is in the 50s and windy! I feel like I died and went to heaven.
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Re: anyone retire and move to a planned community in FL?

Post by Miriam2 » Sat Jul 15, 2017 2:08 pm

reriodan wrote:I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be drenched in sweat.
Au contraire Reriodan, I was able this very morning to sneak outside in my South Florida backyard to set my Havahart trap to catch iguanas who eat (destroy) my gorgeous bourgainvilleas, leaves and flowers, down to a stalk :annoyed and then I was able to venture back outside before noon to whisk my cage complete with a very angry large jumpy 2-ft long iguana (that includes the tail) into the back of my Suburban and off to his new home far away - and I did it all with only a normal drench of sweat and basic heat-stroke.

And if OP wishes to settle in mid-Florida, no problem, they have very large angry jumpy slithery iguanas there also, because the only predators for large iguanas (besides me and my kind) are long boa constrictors, Burmese pythons and large alligators, which usually (I said "usually") do not come into your back yard.
rgs92 wrote:Sounds too hot for me and I heard the bugs are big.
Would you prefer little bugs you can't see and enjoy?? Florida is teeming with natural wildlife :mrgreen: :mrgreen:

Here is what our Florida expert, Dave Barry, wrote about our teeming natural wildlife and giant bugs:
"I live in South Florida, which has a hot, moist, armpit-like climate that is very favorable for life in general. Everything down here is either already alive, or about to be. You could leave your toaster out on your lawn overnight, and by morning it would have developed legs, a tail, a mouth, tentacles, etc., and it would be prowling around looking for slower, weaker appliances to prey on.

So I am used to wildlife. I am used to the fact that, as I walk from my car to the front door - striding briskly to prevent fungus from growing on my body - I will routinely pass lizards, snakes, spiders, snails and mutant prehistoric grasshoppers large enough for the Lone Ranger to saddle up and ride into the sunset on ("Hi-ho, Silver, Awayyyeeeiikes!")"
:D :D

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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Sat Jul 15, 2017 2:11 pm

As Mel points out there is a big difference between east coastal Florida and central Florida. I have lived in both. Central Florida can be incredibly hot and uncomfortable. I spent an entire summer in a beach community near Jacksonville and lived in a house without air conditioning. The days we were uncomfortable were rare.
When you discover that you are riding a dead horse, the best strategy is to dismount.

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Sun Jul 16, 2017 4:19 am

jpjr wrote:If you are seeking a compromise to something not as large as the Villages (and hot as Florida) I'd suggest you look at our community near Clemson, SC. We moved here from the cold north in upstate NY as we too wanted to escape the winters. We also wanted a college town near us, and good health care facilities. We found it in Keowee Key. Look it up, you may find that it offers everything you could desire. It is close to a thriving town of Greenville and just two hours from either Atlanta or Charlotte. The cost of living is below the national average and the people are warm and welcoming. You can live on a lake or in the foothills of the Blue Ridge Mountains. This northern corner of South Carolina is heaven.
I will definitely check out your suggestion. One of the reasons we are looking at Fl is for tax/COL purposes and not sure how SC stacks up vs FL. Has anyone looked at the two from a tax/COL perspective?
Regarding those who comment on the weather, I would much prefer to be a bike ride distance to the gulf on the west coast. As I mentioned, we love the Madiera/Clearwater area (although anything on the gulf would work for us) and have been researching that aspect of FL quite a bit. We are also planning on having a place back up north to have as a summer option as the family is from up here.
Thanks again!

chipperd
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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Sun Jul 16, 2017 4:26 am

chipperd wrote:
jpjr wrote:If you are seeking a compromise to something not as large as the Villages (and hot as Florida) I'd suggest you look at our community near Clemson, SC. We moved here from the cold north in upstate NY as we too wanted to escape the winters. We also wanted a college town near us, and good health care facilities. We found it in Keowee Key. Look it up, you may find that it offers everything you could desire. It is close to a thriving town of Greenville and just two hours from either Atlanta or Charlotte. The cost of living is below the national average and the people are warm and welcoming. You can live on a lake or in the foothills of the Blue Ridge Mountains. This northern corner of South Carolina is heaven.
I will definitely check out your suggestion. One of the reasons we are looking at Fl is for tax/COL purposes and not sure how SC stacks up vs FL. Has anyone looked at the two from a tax/COL perspective?
Regarding those who comment on the weather, I would much prefer to be a bike ride distance to the gulf on the west coast. As I mentioned, we love the Madiera/Clearwater area (although anything on the gulf would work for us) and have been researching that aspect of FL quite a bit. We are also planning on having a place back up north to have as a summer option as the family is from up here.
Thanks again!
So I just checked out Keowee Key website and the home finder lists no homes or lots available. Was looking to check out houses/pricing. I went on Zillow and it looks like homes/lots for sale, but some list taxes at $10k/year!? A google search of HOA fees shows they look high as well, with a recent one-time additional assessment. Any ideas on how to get this info on their website? This is the kind of info that would be really helpful to compare and figure out true COL. Thanks!

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Re: anyone retire and move to a planned community in FL?

Post by Sidney » Sun Jul 16, 2017 7:40 am

reriodan wrote:I have visited the villages a bit, and it's like being in some weird bubble world. I enjoyed myself but wouldn't live there. Also, the older people seemed to like to eat dinner around 4pm
In Naples you can walk into almost any restaurant after 7pm without a reservation.
I always wanted to be a procrastinator.

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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Sun Jul 16, 2017 7:45 am

HoosierJim wrote:Now that I am beginning to observe seniors texting,facebooking,tindering,etc while driving - it can only get worse.
This is a general problem in my county in Maryland which is a popular retirement destination. And you are right, it is no longer just the younger drivers. Distracted driving has surpassed DUI as the cause of traffic fatalities here. Seniors are typically more at risk around here because they are physically more frail and their cars tend to be older.

I have not ridden my bike on a public street in over two years. Too risky.
When you discover that you are riding a dead horse, the best strategy is to dismount.

rgs92
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Re: anyone retire and move to a planned community in FL?

Post by rgs92 » Sun Jul 16, 2017 8:20 am

'love Dave Barry. Thanks!

pennywise
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Re: anyone retire and move to a planned community in FL?

Post by pennywise » Sun Jul 16, 2017 8:27 am

reriodan wrote:I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be drenched in sweat. Seems like an awful place for old people, but what do I know, there are a ton of them that like it I guess.
Without positing that Florida weather is perfect, I always wonder whether people who find heat and humidity so loathsome actually prefer living places in which they face freezing, snowy, and bone chilling cold. Extremes of weather are usually that-extremes.

As a Floridian I've long espoused the equivalence that for residents here, the depths of the summer blast furnace require similar planning as the depths of a northern winter: you avoid going outside at the most extreme times of day/year and you utilize your climate control mechanisms which here are air conditioning, shade and the right clothing.

BTW in Florida it is extremely difficult to find ANYwhere that isn't air conditioned so one doesn't face our version of severe weather without knowing that from the car to the mall to the dr's office one can always be cool and comfortable. Not to mention many folks visit or live in Florida in part to enjoy water activities which are usually more pleasant in warm weather than standing in a Walmart parking lot in July. Just as I suppose a Minnesotan learns to use those covered walkways that remind me of a gerbil's Habitrail a Floridian learns to manage life according to how to handle ambient weather conditions.

Last but not least I suppose I must end by saying to everyone who doesn't like the weather: please do not move to Florida. There are more than enough folks who crazily enough decide they'd rather be too warm than be human popsicles and we are crowded enough now. Do not come here! :happy

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Re: anyone retire and move to a planned community in FL?

Post by mouses » Sun Jul 16, 2017 8:48 am

Gittel wrote:Lived with my mother for a while in her retirement community. The experience of whittling down one's community to a small segment of society was disorienting and unpleasant. Lived in Florida (west and east coasts) for a few years before returning north. Florida is not just unpleasantly warm in the summer, it's warm and humid most of the time (save a few weeks in February), and becomes excruciatingly so beginning in April. Most people live indoors. Hiking, biking? It's flat. Most trails embrace a few shrubs, and are dull beyond belief. In general I found Florida to be a culinary, cultural, concrete wasteland. I'll pay taxes.
My cousins moved to the Villages some years ago. They love it. I would consider it Purgatory at best. One portion of the political spectrum, lots of conspicuous consumption.

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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Sun Jul 16, 2017 9:25 am

pennywise wrote:Without positing that Florida weather is perfect, I always wonder whether people who find heat and humidity so loathsome actually prefer living places in which they face freezing, snowy, and bone chilling cold. Extremes of weather are usually that-extremes.
I suspect many find a moderate in-between more to their liking. Within some limits, you can dress appropriately and still enjoy being outside in colder (not bone chilling .....) weather. In extreme heat and humidity, there is less of a "clothing" adjustment you can make.
When you discover that you are riding a dead horse, the best strategy is to dismount.

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reriodan
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Re: anyone retire and move to a planned community in FL?

Post by reriodan » Sun Jul 16, 2017 5:29 pm

pennywise wrote:
reriodan wrote:I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be drenched in sweat. Seems like an awful place for old people, but what do I know, there are a ton of them that like it I guess.
Without positing that Florida weather is perfect, I always wonder whether people who find heat and humidity so loathsome actually prefer living places in which they face freezing, snowy, and bone chilling cold. Extremes of weather are usually that-extremes.
The difference is that it's so much easier to do something about the cold and still do activities despite the cold. WIth the right clothing/gear, cold weather is not a problem. In a Florida summer I could go outside buck neked and it wouldn't fix anything, what else can you do? Sure, AC helps, but that limits you to being inside.

It's just seems like an odd place to retire because it's so exhausting to do anything outside. Granted, I do think as people get older they get more cold averse, but it seems like it's easier to be in a cold place and get warm than it is to be in a hot place and get cool.

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Re: anyone retire and move to a planned community in FL?

Post by Swimmer » Mon Jul 17, 2017 5:31 am

reriodan wrote:
pennywise wrote:
reriodan wrote:I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be drenched in sweat. Seems like an awful place for old people, but what do I know, there are a ton of them that like it I guess.
Without positing that Florida weather is perfect, I always wonder whether people who find heat and humidity so loathsome actually prefer living places in which they face freezing, snowy, and bone chilling cold. Extremes of weather are usually that-extremes.
The difference is that it's so much easier to do something about the cold and still do activities despite the cold. WIth the right clothing/gear, cold weather is not a problem. In a Florida summer I could go outside buck neked and it wouldn't fix anything, what else can you do? Sure, AC helps, but that limits you to being inside.

It's just seems like an odd place to retire because a it's so exhausting to do anything outside. Granted, I do think as people get older they get more cold averse, but it seems like it's easier to be in a cold place and get warm than it is to be in a hot place and get cool.

I hear you which is one reason we come North for about four months. The weather the rest of the year is so beautiful, though. We're fortunate to have the best of both worlds. When going back and forth gets old as we age, we may have to make a decision. For now it's a dream retirement.

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Re: anyone retire and move to a planned community in FL?

Post by KSOC » Mon Jul 17, 2017 6:22 am

This not directed to the OP, but other concerning the weather in Florida.
Our hot summers are nature's form of population control. I'm almost 59, 44 years previous in Pennsylvania & the heat/humidity doesn't bother me. I do yard work, go for walks & other outside activities mid-day during the summer months. I get plenty of fluids, plenty of sun protection & I'm smart enough to know when to go in and cool off. The thunderstorms that roll into the Orlando area are the biggest PITA to me, as they seem to linger the rest of the day. Coastal area's often clear up quicker. This is another reason I will be moving closer to the coast in a few years. Yes, please don't move here and then bark about the heat.
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Re: anyone retire and move to a planned community in FL?

Post by yukonjack » Mon Jul 17, 2017 8:42 am

Mel Lindauer wrote:I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it's best; you can wear shorts and flip-flops almost anywhere just about all year round.

Our Community's HOA takes care of everything on the outside, so I can just lock up and go away whenever I want without any worries. There's an airport in DAB with connections in Atlanta and Charlotte to anywhere you'd want to go, and we're just a shuttle ride away from Orlando International (MCO) with lots of destinations, both domestic and international.

While it is, indeed, hot in the summer here in Florida, we do get a nice sea breeze that those who live inland don't get. To me, it's much more pleasant than the hot and humid Philly summers were. We can play golf, fish and conduct any outdoor activities you'd want all year long. And we don't get any snow. A bad winter day here is in the 50s and windy! I feel like I died and went to heaven.
I have always heard that Daytona Beach has quite a wild and crazy party scene, especially around spring break. How do you manage to avoid the craziness in DB? Also, how dominant is the NASCAR mentality in DB? These would be two of my greater concerns with that part of FL. Thanks for all the wonderful input from the FL bogleheads.

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Re: anyone retire and move to a planned community in FL?

Post by BogleFanGal » Mon Jul 17, 2017 1:01 pm

Tolerating the heat also depends heavily on what you enjoy doing. Barring any tropical storm activity, May- Sept are some of the calmest, most beautiful times to be on or in the water all year - with far less crowds, as most of the tourists are gone. 8-)

You'll find people of all ages boating, on the beach, kayaking and paddleboarding - it's year round fun here. Not to mention the 3rd largest reef system in the world for snorkeling and diving - the sea life is breathtaking and it's an easy roadtrip away.

Weekends are whiled away at fun, lively waterside tiki bars with terrific live music, on gorgeous beaches, enjoying beautiful moonlit dinners overlooking ocean waves.

It's a short drive to cruise ports, which saves a lot of money and tiresome time flying if you like cruising.

Living by the coast is a big difference vs inland - those ocean breezes cool everything down. I get overheated very quickly and am always in AC. Yet I've sat out at an open air beachside restaurants on August evenings and been totally comfortable.

There's a lot to appreciate here - IF any of those things appeal.

Candidly I love colder weather way more than the heat - so my DH is much better suited to this state than I am, but we were both raised here and I've adapted. As soon as we retire, I'm planning on a few more cooler travel trips though! Skiing and SF were nirvana for me. Alaska is already booked and Antarctica is on the bucket list I'll be the reverse snowbird :D

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Re: anyone retire and move to a planned community in FL?

Post by Mel Lindauer » Mon Jul 17, 2017 9:12 pm

yukonjack wrote:
Mel Lindauer wrote:I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it's best; you can wear shorts and flip-flops almost anywhere just about all year round.

Our Community's HOA takes care of everything on the outside, so I can just lock up and go away whenever I want without any worries. There's an airport in DAB with connections in Atlanta and Charlotte to anywhere you'd want to go, and we're just a shuttle ride away from Orlando International (MCO) with lots of destinations, both domestic and international.

While it is, indeed, hot in the summer here in Florida, we do get a nice sea breeze that those who live inland don't get. To me, it's much more pleasant than the hot and humid Philly summers were. We can play golf, fish and conduct any outdoor activities you'd want all year long. And we don't get any snow. A bad winter day here is in the 50s and windy! I feel like I died and went to heaven.
I have always heard that Daytona Beach has quite a wild and crazy party scene, especially around spring break. How do you manage to avoid the craziness in DB? Also, how dominant is the NASCAR mentality in DB? These would be two of my greater concerns with that part of FL. Thanks for all the wonderful input from the FL bogleheads.
While we're in the Daytona Beach area, our city (Daytona Beach Shores) is a separate city. We do get NASCAR officials and race teams (as well as some fans) in our hotels during race weeks. Same goes for Bike Week folks, too. However, we're not known as a party town like Daytona Beach is, and folks who want to party head up to Daytona Beach or to other Florida locations. Our City is primarily residential and doesn't tolerate rowdiness. It's a city of mostly upper middle class retired folks with a very effective no-nonsense law enforcement presence. You can stay in our city, but you play and party in Daytona Beach.
Best Regards - Mel | | Semper Fi

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Re: anyone retire and move to a planned community in FL?

Post by edge » Mon Jul 17, 2017 9:20 pm

A family member moved to The Plantation at Ponte Vedra beach near Sawgrass on the coast near Jacksonville. It is a couple hours north of Daytona. It is a nice place, dream retirement type setup. Great golf course, nice beach house, amazing club house. Amenities galore.

One thing to consider is the financials of the community. The Plantation manages this by having one flat fee (not inconsequential) per resident. No ala carte menu of golf/tennis/social/etc. By doing this, they have a consistent reliable income stream that helps in planning and maintaining the community.

http://www.theplantationpvb.com/

Not affordable for all but the neighborhood has a wide price range from about 500M to 3MM. Not diverse. Mostly well-to-do folks from the Northeast.

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Re: anyone retire and move to a planned community in FL?

Post by texasdiver » Tue Jul 18, 2017 1:16 am

Close family friends retired and moved to Sanibel Island a few years back. Parents of one of my best friends actually.

After two years they were back home to Montana. Poor advance research on their part I think. They never adapted to the omnipresent HOA (couldn't park a pickup in the driveway for example...too downscale) and they tired of being so far from family and friends.

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Re: anyone retire and move to a planned community in FL?

Post by chipperd » Tue Jul 18, 2017 6:06 am

From what I'm reading, lots of folks have strong feelings about the weather and its potential impact. For us, as I think I mentioned, we would be planning on being typical snowbirds for the first phase of our post work lives, spending summers back up north for probably 5 months or so a year. When we are in the Clearwater area mid-April every year, the breeze from the Gulf seems to mitigate some of the heat. Our thinking at this point would be to leave Fl around the end of April annually to head back up North. Probably returning some time early fall (Sept?).
Keep the thoughts coming. Really appreciate the voices of those who have this experience.
Chipperd

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Re: anyone retire and move to a planned community in FL?

Post by SrGrumpy » Tue Jul 18, 2017 8:39 am

edge wrote:A family member moved to The Plantation at Ponte Vedra beach near Sawgrass on the coast near Jacksonville . . . Not affordable for all but the neighborhood has a wide price range from about 500M to 3MM. Not diverse. Mostly well-to-do folks from the Northeast.
Are the 500M homes sprinkled among the other price levels? Or are they in their own little ghetto? It would be a pity to retire to a nice place after a life of toil, and then be looked down upon by the folks in the 3MM area. Or maybe I watched too many Seinfeld episodes about the internecine battles in these developments.

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Re: anyone retire and move to a planned community in FL?

Post by FrugalInvestor » Tue Jul 18, 2017 1:55 pm

SrGrumpy wrote:
edge wrote:A family member moved to The Plantation at Ponte Vedra beach near Sawgrass on the coast near Jacksonville . . . Not affordable for all but the neighborhood has a wide price range from about 500M to 3MM. Not diverse. Mostly well-to-do folks from the Northeast.
Are the 500M homes sprinkled among the other price levels? Or are they in their own little ghetto? It would be a pity to retire to a nice place after a life of toil, and then be looked down upon by the folks in the 3MM area. Or maybe I watched too many Seinfeld episodes about the internecine battles in these developments.
Good point. One of the reasons that we chose our particular 55+ community is because all sizes and prices of homes are mixed throughout the community. Not only does this discourage 'cliques' based on area/home size but it makes for more visual variety which we much prefer over rows of similar sized/priced homes. I don't think anyone is concerned about others' home sizes especially given that some are year-round residents and others snowbirds which means that needs vary widely. We do not live in Florida.
IGNORE the noise! | Our life is frittered away by detail... simplify, simplify. - Henry David Thoreau

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Re: anyone retire and move to a planned community in FL?

Post by radiowave » Tue Jul 18, 2017 2:01 pm

chipperd wrote:From what I'm reading, lots of folks have strong feelings about the weather and its potential impact. For us, as I think I mentioned, we would be planning on being typical snowbirds for the first phase of our post work lives, spending summers back up north for probably 5 months or so a year. When we are in the Clearwater area mid-April every year, the breeze from the Gulf seems to mitigate some of the heat. Our thinking at this point would be to leave Fl around the end of April annually to head back up North. Probably returning some time early fall (Sept?).
Keep the thoughts coming. Really appreciate the voices of those who have this experience.
Chipperd
Prime FL hurricane season is late August through early October. Going back to FL in Sept you may put you in harms way.
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Re: anyone retire and move to a planned community in FL?

Post by jebmke » Tue Jul 18, 2017 4:26 pm

radiowave wrote:Prime FL hurricane season is late August through early October. Going back to FL in Sept you may put you in harms way.
If you have property there, it is at risk anyway. If a hurricane is headed in, you can always hop in a car and bug out.

I'd wait a little longer just to avoid the heat. September is still pretty hot in FL.
When you discover that you are riding a dead horse, the best strategy is to dismount.

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Re: anyone retire and move to a planned community in FL?

Post by edge » Wed Jul 19, 2017 2:00 pm

The smaller homes are on smaller lots. However, they all adhere to certain level of architecture and build standards that fit into the neighborhood well. They are high quality (same quality as the larger homes) and the choice to buy one or the other is viewed as a preference and not an economic choice. Frankly, when I get old I would prefer the smaller lots and homes even though I could afford the largest.

Certainly the 3MM homes are spread out and not next to each other. I would say it is well laid out.
SrGrumpy wrote:
edge wrote:A family member moved to The Plantation at Ponte Vedra beach near Sawgrass on the coast near Jacksonville . . . Not affordable for all but the neighborhood has a wide price range from about 500M to 3MM. Not diverse. Mostly well-to-do folks from the Northeast.
Are the 500M homes sprinkled among the other price levels? Or are they in their own little ghetto? It would be a pity to retire to a nice place after a life of toil, and then be looked down upon by the folks in the 3MM area. Or maybe I watched too many Seinfeld episodes about the internecine battles in these developments.

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