Jacksonville-area 55+ communities compared
These are the age-restricted neighborhoods with new homes listed on builder sites in September 2026, across Duval, St. Johns and Nassau counties. Prices are the builders' listed starting prices and change often. None of the builder pages listed HOA dues, so fees are not shown.
| Community | Location | Builder | Listed from | Home sizes | CDD |
|---|---|---|---|---|---|
| Reverie at TrailMark | TrailMark, St. Johns County | Dream Finders Homes | $288,990 | 1,700 to 3,100+ sq ft | Ask |
| Reverie at SilverLeaf | SilverLeaf, St. Johns County | Dream Finders Homes | $331,990 | 1,700 to 3,100+ sq ft | None, per the builder |
| Del Webb Wildlight | Wildlight, Nassau County | Del Webb | $357,490 | 1,343 to 3,339 sq ft | Ask |
| WaterSong at RiverTown | RiverTown, St. Johns County | Mattamy Homes | $381,990 | 1,577 to 2,664 sq ft | Yes, a RiverTown CDD; confirm which |
| Del Webb Saint Johns | Saint Johns, St. Johns County | Del Webb | $469,990 | 1,600 to 3,800 sq ft | Ask |
Resale-only 55+ sections, such as Del Webb in eTown and Everlake on the Southside, are covered below.
55+ communities around Jacksonville, one by one
Del Webb Saint Johns
Del Webb Saint Johns is in Saint Johns, in St. Johns County, with 50-foot and 65-foot homesites across four collections listed from $469,990, $617,490, $619,990 and $737,490. Del Webb lists a clubhouse, resort-style pool, on-site tavern and grill, pickleball and sports courts, a fitness center, a community garden, dog parks and on-site RV and boat storage, on an amenity campus of more than 4 acres. It names Baptist Medical Center South, Mayo Clinic and Flagler Hospital as nearby hospitals. Del Webb was advertising a new phase in September 2026.
Del Webb Wildlight
A gated neighborhood in the Town District of Wildlight, a master-planned community in Nassau County north of Jacksonville. Its four collections were listed from $357,490, $390,990, $434,990 and $554,990. Del Webb lists a 16,000+ sq ft clubhouse, an on-site bar and grill and 10 miles of walking trails. Wildlight's Village Center includes a Publix, a UF Health facility, a YMCA and restaurants, and the developer says Jacksonville International Airport is about 15 minutes from the Village Center.
WaterSong at RiverTown
Mattamy Homes' 55+ neighborhood inside RiverTown, on the St. Johns River. Mattamy listed 11 plans from $381,990 (1,577 sq ft) to $599,990 (2,664 sq ft), with 2 or 3 bedrooms and two-car garages, and several quick move-in homes, some due in early 2027. Amenities include a clubhouse, resort pool, heated lap pool, outdoor spa, fitness room, pickleball, bocce, a biergarten, a fire pit, a paw park and a full-time lifestyle director, plus RiverTown's wider amenities.
Reverie at SilverLeaf
A gated 55+ neighborhood by Dream Finders Homes inside SilverLeaf, listed from $331,990. Dream Finders offers 15 home styles from 1,700 to over 3,100 square feet with 2- or 3-car garages, and lists a residents' clubhouse, six pickleball courts, a golf simulator and a resort-style pool and spa. The builder says it has no CDD fees.
Reverie at TrailMark
Dream Finders' other St. Johns County 55+ neighborhood, inside the TrailMark community, had the lowest listed starting price we found, $288,990. It has gated entry, a 4,600 sq ft lakeside clubhouse, six pickleball courts, a resort-style pool and spa, and access to TrailMark's community amenities.
Del Webb in eTown (resale)
eTown on Jacksonville's Southside has a gated Del Webb active-adult neighborhood by Pulte Homes, now sold out, so homes come up only as resales. It has its own amenities, and its homes pay Cypress Bluff CDD rates that vary by lot size. See our eTown guide.
Everlake (resale and remaining lots)
Everlake is an active adult development in the Sunbeam area of the Southside, begun in 2020. Ask a local agent whether any new homes remain and to pull recent resales. See our Southside guide.
Del Webb Flagler Beach
Del Webb lists Del Webb Flagler Beach under its Jacksonville region, though it is well south of the city in the Palm Coast area. Weigh the drive if you need to be near Jacksonville.
Senior living in Nocatee
Senior living is a different product from a 55+ home you own. Nocatee lists Starling at Nocatee, with independent living and separately assisted living and memory care, and Fleet Landing at Nocatee, a retirement community. Ask any provider whether you would buy, rent or pay an entry fee, and what care is included.
The 55+ rules: 80/20, HOPA and age checks
Fair housing law normally bars discrimination based on familial status, but housing for older persons is exempt. The federal Housing for Older Persons Act set that exemption, and Florida mirrors it in section 760.29 of the Florida Statutes.
The 80% rule
A community qualifies as 55+ housing if at least 80% of occupied units are occupied by at least one person aged 55 or older, it publishes and follows policies and procedures showing it intends to operate as 55+ housing, and it complies with HUD's rules for verifying residents' ages.
62+ housing is different
Florida law also exempts housing intended for, and solely occupied by, people 62 or older. That is stricter than the 55+ model, where up to 20% of occupied homes can have no resident aged 55 or older.
How ages are verified
HUD's rule (24 CFR 100.307) requires a 55+ community to keep procedures for checking the age of occupants and to update them through surveys or other means at least once every two years. A driver's license, birth certificate or passport counts as reliable proof, as does a signed certification in a lease or application.
What the community's documents add
The law sets the minimum. Each community's governing documents set the details, so ask for the written age policy: who counts as the qualifying resident, whether younger spouses or partners can live there, and how long guests of any age may stay.
What 55+ living costs around Jacksonville
HOA dues
None of the builder pages we checked listed HOA dues, so get them in writing for the specific lot, and ask what they cover (lawn care, amenities, lifestyle staff, gate) and whether a capital contribution or amenity fee is due at closing.
CDD assessments
A CDD charge appears on the property tax bill. Dream Finders says Reverie at SilverLeaf has none. WaterSong sits within RiverTown, served by the Rivers Edge CDDs; the original district's FY2027 maintenance assessments run from $1,455.10 to $3,121.42 a year by lot width, and Del Webb eTown homes pay Cypress Bluff CDD rates by lot size. Ask for the debt service, operating charges and years of debt remaining.
Property tax
The St. Johns County Tax Collector's 2025 millage sheet shows 13.4686 mills for the county's base unincorporated district. Inside the City of Jacksonville, the 2025 total was 17.7412. If the home becomes your main residence, file for homestead by March 1. The Duval County property tax guide explains the Save Our Homes cap and portability, which can move part of an existing Florida homestead's benefit to a new home.
Flood and insurance
Get flood zone and insurance quotes for the address, using our Jacksonville flood zone guide.
How to choose a 55+ community
- Price the full year. Add HOA dues, any CDD line and property tax to the mortgage or the cash you tie up.
- Read the age policy. Check the rules for spouses under 55, adult children and long guest stays.
- Test the drive. Map the routes to your doctors, airport and family at the times you would travel. Del Webb Saint Johns names nearby hospitals; check your own.
- Compare amenities you will use. A lifestyle director or golf simulator only adds value if you want it.
- Ask about build-out. In a community still selling, ask how many homes remain to be built and what construction traffic to expect.
If you are selling a larger home to move, our guide to downsizing in Florida walks through the move, and the Jacksonville new construction guide explains CDD disclosures.
Common questions
What is the 80% rule for 55+ communities in Florida?+
To qualify as housing for older persons under section 760.29 of the Florida Statutes, at least 80% of a community's occupied units must have at least one resident aged 55 or older. The community must also publish and follow policies showing it intends to operate as 55+ housing, and verify ages under HUD rules. Each community's own documents can set stricter rules.
Can someone under 55 live in a 55+ community?+
Often, yes, within limits. The law only requires that at least 80% of occupied homes have one resident aged 55 or older, so up to 20% can be occupied otherwise. How a community uses that margin is set by its own governing documents, so ask for the written age policy covering spouses, other residents and guests before you buy.
What are the newest 55+ communities near Jacksonville?+
In September 2026, builder sites listed new homes at Del Webb Saint Johns, WaterSong at RiverTown, Reverie at SilverLeaf and Reverie at TrailMark, all in St. Johns County, and at Del Webb Wildlight in Nassau County. Listed starting prices ran from $288,990 at Reverie at TrailMark to $469,990 at Del Webb Saint Johns.
How much are HOA fees in Jacksonville 55+ communities?+
The Del Webb, Mattamy and Dream Finders pages we reviewed did not publish HOA dues. Ask the sales office for the current HOA budget, the fee per home and what it covers, any fee due at closing, and the CDD charges for the specific lot. On a resale, ask the seller for their latest HOA statement and tax bill.
What is the cheapest 55+ community near Jacksonville?+
Among builders selling new 55+ homes in September 2026, Reverie at TrailMark in St. Johns County had the lowest listed starting price at $288,990, followed by Reverie at SilverLeaf at $331,990 and Del Webb Wildlight at $357,490. Starting prices cover the smallest plans and change often, and HOA dues and any CDD charge add to the yearly cost.
Are there 55+ communities without CDD fees near Jacksonville?+
Dream Finders Homes says Reverie at SilverLeaf has no CDD fees, and the SilverLeaf developer says the wider community has none. You still pay HOA dues. For other communities, check the non-ad valorem section of a recent tax bill for the lot, since a CDD assessment appears there rather than in the HOA budget.
Sources
- Del Webb: 55+ communities in Jacksonville
- Del Webb: Del Webb Saint Johns
- Del Webb: Del Webb Wildlight
- RiverTown: WaterSong
- RiverTown: Builders
- Wildlight: Home
- Wildlight: Homebuilders
- eTown: Homeowners association
- Nocatee: Senior living
- Florida Statutes 760.29: Exemptions (housing for older persons)
- Dream Finders Homes: Reverie at SilverLeaf
- Dream Finders Homes: Reverie at TrailMark
- SilverLeaf: Community (no CDD)
- eCFR via Cornell LII: 24 CFR 100.307, Verification of occupancy
- Rivers Edge CDD: Adopted FY2027 budget
- eTown: A guide to eTown's Community Development District (PDF)
- Wikipedia: Neighborhoods of Jacksonville (Sunbeam, Everlake)
- St. Johns County Tax Collector: 2025 millages
- Duval County Property Appraiser: Millage rates
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Antonio Roberts
Antonio Roberts has spent five years helping more than 500 Florida buyers and sellers choose the right real estate agent. He is not a real estate agent himself: he researches what matters in a Florida move and connects people with licensed local agents, free of charge.
Reviewed by a licensed Florida real estate agent. Before publication, this guide was checked for accuracy by a licensed Florida real estate agent on our team. It is general information, not legal, tax or financial advice.
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