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Module 6: How to Visit an Active Adult or 55+ Community

Category: Active adult communities

Updated Nov. 2022 (originally published April, 2019) — This is Module 6 of our Online Retirement 101 Course (see links at bottom to the other Modules).

Covid is still definitely here, but most people seem to not be letting it interfere with their lives anymore. So, this seems like a good time to talk about the best ways to visit active adult and 55+ communities, and get the most valuable information out of the experience.

Part 1 of this article will explore how to find and select the communities you want to visit, how to get the most out of your on-site visit, and finally, how to compare properties to make the best decision. Part 2, “Is an Active Community Right for You“, has over 100 Member Comments on their experience with 55+ communities.

Part 1: The Process: How to Get the Most Out of Your Active Community Visit

Following a disciplined path to visiting and evaluating 55+ communities will get you the information and feedback to help you make the best decisions. Finding the right community for you is a process – one site visit normally won’t give you an instant answer, but it will help build your knowledge base. After visiting many communities you will be in a position to knowledgeably evaluate all the properties you are considering. Here is a basic approach to follow:

Narrow down your list of possibilities by defining what you are looking for. Consider factors like type of community, size, state, location, climate, costs, amenities, age, types of homes, etc. Make a list, and decide which aspects are most important to you and your significant other.

Search to find the communities that match your must-haves and can’t haves. You can use the State Directories at Topretirements to find over 4000 communities by city and state. Or you can use Advanced Search to narrow down choices by amenities, types of communities, size, price range, housing choices, etc. To find more possibilities there are other websites you can use, along with recommendations from your friends.

Plan your visits. Vacation and road trips provide a great opportunity to schedule some community tours. Or, you could put together a specific itinerary to visit several communities that seem interesting. The important thing is to try to plan the visit. Call ahead so someone, either on the sales staff or your realtor, knows you are coming. Tell them what you want to see and experience while you are on the property, such as getting to use the amenities or spending time with some residents. If you happen to be driving by and see a likely community at the last minute, go on up to the gate. Tell them you are interested in the community and they will most likely get you to someone who can show you around and answer your questions. In our experience, touring a community by yourself is probably going to be so superficial that it won’t be very useful.

Use a checklist. We have developed a basic checklist that shows your wants and helps you come away from your visit with the facts you need to know. Download this Checklist for Finding the Right Community. Fill it out and take it with you to help insure success.

Spend some time on your own in the community. Sales reps can be great for getting you into model homes or those that are for sale, and for exploring the amenities. But if you can make the time, ask the rep to set you up for coffee or lunch with a resident so you can get a better sense of the kind of people that like living there, and what goes on in the community on a daily basis. If you have a friend that lives there, even better. Ask for a pass to the amenities so you can see what they are like, and how they are used.

If you like what you see, plan a follow-up. That might take the form of a repeat visit. It could be trying to book a “Stay & Play” visit or monthly rental. If you find that you are really interested, now is the time to start asking for the due diligence documents in our checklist and other articles.

Finally, compare and evaluate what you learned. Hopefully you have taken notes from your visits and conversations. Setting up a grid that compares properties will help you understand which one(s) look like the best choice for you.

Part 2: Comments from Members.

Like we said at the beginning, finding, visiting, and evaluating 55+ communities is well plowed ground on this site. The great thing about that is the collective wisdom that has been shared here on the process. Here are some representative comments we think you will find useful:

Number 1 piece of advice for anyone buying into a development with an HOA?
(from Joe West): That one’s easy – Don’t fall in love with the house before you check out the association. You have to be comfortable with a few important things: the rules that you will have to follow, the people governing the organization, and its finances.

Take a tour, speak with local residents not just the sales rep, investigate the HOA, and look beyond the boundaries of the community. Explore its surrounding area, amenities, and facilities. In my opinion, it’s never too early to start looking. I started putting together a list of cities/towns I would like to investigate several years before I retired. I have now visited all of them (about 15) which has taken almost 2 years. Some that I thought would be high on my list were not, and some impressed me more than I expected. I am now in the process of revisiting the 5 I liked the most. On round 2 of my visits I am now visiting / touring communities with a sales rep. Once I’ve narrowed it down further, I full intend to rent before I consider buying.

Is there a Welcome Center? I would look online to see if they had a Welcome Center and set up a meeting or a tour if they are available.

Gate attendants are typically ambassadors for the community. So I’d recommend approaching the gate and simply inquiring about how best to check it out. You might be surprised to find they anticipate such questions and already have a program in place to accommodate interested buyers

Take a 2 night stay package. I visited a Del Webb community about half an hour from Charleston on a 2-night stay package I liked the unit I was in. It came with a golf cart and it was fun driving around the community in that. They assigned a resident to take me out to dinner one night who was a much better rep for the community than the alleged sales rep.

If t is possible, RENT before buying! And if you don’t like that community after that, rent in another! Also, carefully review the HOA rules with your own lawyer and also learn what state laws apply to HOAs.

What is nearby outside of these communities? Many of the large ones that I am familiar with are very remote. If I liked a community, I would also be asking how close is the nearest grocery store, medical facility, auto dealership, doctors offices, gas station, etc. Can you walk or ride your bike to anywhere interesting?

Financials strong? What is the size of Reserve/Replacement funds for future repairs. Is it fully funded?How are new amenities paid for? What is the history of HOA fees, and have there been any assessments? Work with a realtor who knows the ins and outs of the surrounding area communities. Walk around the clubhouse, ask questions of residents. A stay and play is a good idea to help you get the feel of community. Read the CC&Rs to understand the covenants of the community, what rules are you NOT willing to live with. Rules that control what plants/trees are allowed, paint colors, lighting, fences, what and where you can park, etc. Some are built very far out in the country, so take a good look at access to dining options, medical facilities, groceries, cultural events…any transportation alternative. Look at how the facility is maintained, chipped paint, old pool furniture, water stained ceilings, etc.  (jjt)

Start early. We started to actively research communities a few years before we were planning to make the move. Our first step was to narrow down location. Next came the on-line search for communities in the possible regions. I requested information packets from those that appealed to us, and from that information we developed a list of 12 communities that we wanted to check out. At that time it started to look like we were focusing on Central Florida. On-sight visits were next. We did 2 different ‘stay on property’ visits, and ventured out to check out other communities during those visits. (Jackie)

Due diligence process once we found our home. We had worked too hard to not do our homework before buying. After doing work on comparable sales and talking with our agent, we negotiated a fair price. I made a deposit but the sales agreement gave us an out for a brief period of time if I was not happy with my due diligence on the development’s finances. We had made deposits on two properties previously in our retirement travels that we later backed away from for various reasons. I called the business manager and asked her to send me information including financial statements, articles of governance, and board minutes. These were provided and I saw no issues after reviewing them, then followed up with her by phone with questions and she had all the right answers.

Learn everything you can. Some of the things we noticed and considered when choosing our community: Average age of current residents; level of activity at the community; variety of clubs/groups; overall appeal of the property, common areas, clubhouse; current HOA fees, last increase, fee history; what the HOA fees cover; age restrictions and visitor limitations; are short term rentals allowed; are the majority of owners full- or part-time residents. On our visits, it was easy to get a feel for how friendly and welcoming– or not!!– a community was!

I would suggest visiting various communities, and renting first. Which do you want: manned security gates and walls or open thoroughfares? On site stores, markets, medical – or nearby? Golf course – executive or professional, open to public or only to residents? Urban or rural? A 55+ community is very different than a preponderantly 65+ or 70+ one: which do you prefer? (Old Nassau)

Talk with some people who live in the community. It is a great way to get the straightforward, inside scoop about the way things are actually being managed (Denny).

Interactive Exercise. Start filling out the Checklist for Finding an Active Community and compare yours with your significant other, if you have one. What areas are you unsure about and where do you need more information?

More about finding or visiting an active adult or 55+ community:

Complete list of Retirement 101 Online Course topics

Comments: What have you learned about how to visit and evaluate active adult or 55+ communities? Please share your experiences in the Comments section below.

Posted by Admin on April 16th, 2019


  1. We’ve only visited one place and we plan to move there a bit more than a year. Let the internet do the work for you! Use extreme searching. Do view the community from the satellite view – do you want all houses to be looking just like each one, house after house, so close together? If the community has a garden – find the garden in the satellite view – did the property place the garden under high voltage electrical rabbit ear towers!? Also is the community near a copper mine – if so think about trucks, noise, and dust created. If the community is new still view it from satellite, granted the image might not be that updated, but you should be able to tell if you like the layout of not. One can tell how big a pond/lake is in relation to house sizes. Search online for the rules – do they require curtain going up within three days of purchasing the house – yes, you can find this out. Use to check weather, jobs, ages, political sides, etc. Google county and city tax information. Does the community land in two different counties – is one side of the community supported by a higher tax base – such as a boating yacht club, and the other side of the community in a different county isn’t – do you want to pay a lot or little in property tax. Also will you be paying both country and city property tax? Is the community and county pet friendly – what is there max. number of pets in the household? Do they count something small as a bird as one item? Is it tax friendly? Is it in the state of extreme weather – hurricanes, tornadoes – your insurance would be higher. Will you fellow neighbors be snowbirds and you’ll be left at the community by yourself? We had ruled out FL and I didn’t like the lack of water in AZ. I had always searched gated and age restricted on TN appealed to me due to no state tax on 401K/403B, etc. but I didn’t like their gated and restricted communities – so I took off those filters and found a community that is close to being practically perfect – perfect enough! And think of all the money and my vacation time we saved but doing the research online.

    by Vicki — April 17, 2019

  2. I don’t know why, but I was always very timid about visiting active adult or 55+ communities when we were driving by one. Even though I was very curious to see what they were like, I was put off by the guards at the gates and the thought of enduring a sales pitch. Even when we stopped and were granted permission to drive around, I still never learned very much. You don’t get a good sense of anything from that: the amenities, the people that live there, what the homes look like, what it is like to live there. So finally I realized the smart thing was to stop at the gate (calling ahead to get an appointment is better) and go to the sales office or model home. You learn so much from these short visits, and so if they offer to drive you around the community it is even better. You will see much more and have time for the questions that come to you. Go for it!

    by Rick — April 21, 2019

  3. I’ve read many times that when looking at long term care facilities for a loved one that it’s good to stop in unannounced to get an idea of how the place is when they aren’t expecting a visit. It would be good if that same principle was possible for 55+ communities. Sales people and the home owners they have cleared to speak with potential buyers aren’t there to point out the warts! That’ s why it’s such a good thing to rent in an area and meet people who live in the community, google the name of the developer and the work “complaints” – its an eye opener and many of the comments will be from disgruntled buyers, but you can get an idea of the issues and sometimes a hint on the responsiveness of the builder. Also, if you are considering a place that it not fully built-out and run by the homeowners try to find out how the transfer of the HOA went in other communities the builder has put up; we rented in a place that was in the process of such a transition and it wasn’t (and still isn’t) pretty. Read the very small print on all documents, but the sales documents and the HOA documents and also be familiar with the laws in the state you are moving – some states seem to be pro consumer while others are pro builder.

    by Jean — April 22, 2019

  4. Our friend and colleague Ted Carr is writing a series around his choosing and moving to an active adult community in the Phoenix area. It is pretty good and worth reading (he also has podcasts you can listen to). His site is

    by Admin — May 20, 2019

  5. My wife and I are in the process of investigating 55plus communities. We’d like to move to a community which is very golf cart friendly, where we can get around the community (shopping, dining, entertainment and activities) using a golf cart, similar to what the Villages offer. Is there any way I can sort on communities that are “golf cart friendly” rather than diving into each community listing see if this applies.

    Editor’s note: Many people find the golf cart lifestyle a good one. You can use Advanced Search on the site (see Search in top navigation) to select by golf cart friendly to help narrow down the search.

    by Joe — August 17, 2019

  6. My wife and I drove by an active community in North Carolina with a big gate and guard. She said why we go in and see what it looks like. So happy we did! Told the guard we wanted to look around and he directed us to the visitors center, where we met a helpful rep. She drove us around and that gave us the chance to ask questions and see things and hear details we would have missed ourselves. Turns out the community wasn’t for us, but at least we found that out, as well as useful details to consider in our search.

    by Ken — August 19, 2019

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