A genuinely 55+, gated lakefront community in Hernando — with a community boat launch on the Tsala Apopka chain, a lakeside clubhouse, and a care-free option that mows your lawn for you.
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →| County | Citrus County (town of Hernando), on Lake Hernando / the Tsala Apopka chain |
| Age restriction | Genuinely 55+, gated |
| Developer / built | Hampton Homes, late 1990s–early 2000s |
| Availability | Sold out — resale only |
| Home types | Single-family and villas, including care-free (HOA-maintained yard) homes |
| Price range | ~$200Ks–$300Ks |
| HOA | ~$475/quarter (about $158/mo) — covers common-area maintenance, cable, Wi-Fi, and security; care-free homes run ~$248/mo (adds lawn, trimming, exterior painting, trash) |
| Amenities | Lakeside clubhouse with full kitchen, pool, tennis, shuffleboard, billiards, gym, boardwalk, BBQ, RV/boat storage, community boat launch |
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Arbor Lakes is the Nature Coast’s genuinely-55+ waterfront option — a smaller, gated community where the draw is the lake, not golf. The community boat launch and RV/boat storage make it a natural fit for anglers and boaters, and the Withlacoochee State Trail access nearby adds 46 miles of paved biking and walking. It’s also one of the few age-restricted communities in Citrus County, which matters if you specifically want a guaranteed 55+ neighborhood rather than the all-ages Citrus Hills or Meadowcrest.
Arbor Lakes has two fee levels, and they’re easy to confuse. The base assessment (~$158/month, billed quarterly) covers common areas, cable, Wi-Fi, and security. The care-free homes pay more — around $248/month — because the HOA also handles your lawn, trimming, exterior painting, and trash. If a low-maintenance lifestyle is the goal, the higher fee is the feature, not a penalty; just make sure you’re comparing the same tier when you weigh it against other communities. New residents must be approved by the association.
Two things to weigh. First, it’s resale-only — no new construction, and the homes date to the late 1990s–2000s, so inspect for roof and system age like any home of that vintage. Second, waterfront means water: confirm the specific home’s flood zone and elevation along the Tsala Apopka chain before assuming the inland-ridge insurance story applies — lakefront parcels can carry flood requirements that a Citrus Hills ridge home does not.
A local 55+ specialist can track Arbor Lakes resales (they move quickly), confirm which HOA tier a home is in, and check the lakefront flood zone before you offer.
Get Expert Help — FreeConnect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
Connect with a Specialist →