The most complete comparison of every major active adult community in the Tampa Bay and Central Florida market — with real HOA fees, total monthly costs, and the honest trade-offs nobody else publishes.
The Tampa Bay and Central Florida corridor is the most diverse 55+ market in the country. Within a 90-minute drive of Tampa International Airport, buyers can choose from golf-cart communities approaching The Villages in scale, brand-new Del Webb construction, Tuscan-inspired resort communities, and Jimmy Buffett-themed neighborhoods. Price ranges span from under $100,000 for a modest resale villa to $800,000+ for a premium lakefront home in a newer development.
What makes this market genuinely different from Phoenix or Northern Virginia is the variety of community models — not just the scale. Sun City Center and Kings Point sit across a boulevard from each other but operate as completely separate communities with different fee structures, governance, and amenity access. Solivita charges a mandatory club fee on top of HOA. Del Webb Bexley is sold out. On Top of the World has leasehold neighborhoods. Latitude Margaritaville has CDD assessments on top of HOA. Understanding these structural differences is the entire game — and most buyers discover them too late.
This guide covers every major community with the actual numbers, the ownership structures, and the honest trade-offs. No sponsored content. No agent referral fees built into the recommendations.
The most important numbers side by side. Always verify current fees directly with the HOA before making an offer — these are 2026 research figures.
| Community | County | Price Range | Monthly Fees | Bond / CDD | Golf | New Construction |
|---|---|---|---|---|---|---|
| Sun City Center | Hillsborough | $130K–$550K+ | ~$290 HOA + $307/person/yr amenity fee + sub-HOA | No bond · some sub-CDDs | 5 courses — pay per play | Very limited (The Preserve only) |
| Kings Point | Hillsborough | $100K–$350K+ | ~$345–$375/mo (condo fee covers most services) | No bond · no CDD | Golf courses on-site | No — resale only |
| Solivita | Polk / Osceola | $230K–$725K | ~$165–$205 HOA + $195 mandatory club fee + ~$112/mo CDD | No bond · CDD ~$1,339/yr | 2 courses — separate fees | No — built out |
| Del Webb Bexley | Pasco | $380K–$650K+ | ~$290–$488/mo (includes lawn maintenance) | No bond · CDD varies | No on-site golf | Sold out — resale only |
| Latitude Margaritaville | Volusia | $355K–$595K | ~$343–$393/mo + CDD on tax bill | No bond · CDD applies | No on-site golf | Sold out May 2025 |
| On Top of the World | Marion | $90K–$800K+ | $226–$494/mo (varies widely by neighborhood) | No bond · some CDD in Indigo East | 4 courses included | Weybourne Landing only |
| Trilogy at Ocala Preserve | Marion | $250K–$550K | ~$499/mo all-inclusive | No bond · no CDD | No on-site golf | Still building |
Connect with a vetted local specialist who knows every community in this guide and can run the real numbers for your specific budget and timeline.