Three Florida 55+ Waterfront Communities
Live Near the Water
For many retirees, being near water isn’t just scenic — it’s a way of life. Florida’s gentle climate and abundant waterways make it ideal for waterfront living, but not all age-restricted communities offer true water access. These three stand out for combining 55+ living with a daily connection to rivers, bays, or lakes.
Circle Bay Yacht Club in Stuart
Located on the beautiful St. Lucie River in Stuart, Circle Bay Yacht Club is a waterfront 55+ community built for boating enthusiasts. The marina is the centerpiece — with deep-water access to the Intracoastal Waterway and the Atlantic Ocean — making it easy for residents to cruise, fish, or dock their boats just steps from home.
The community’s homes are typically single-family residences with two to three bedrooms, open floor plans, and many with private boat docks. Circle Bay’s amenities include a clubhouse, clubhouse activities, a heated pool, fitness facilities, shuffleboard courts, and social clubs tailored to an active 55+ lifestyle.
Stuart itself is known for its charming downtown, arts scene, and laid-back Florida vibe. With easy access to beaches, cultural offerings, and fresh seafood, it’s a location that blends everyday livability with true waterfront living.
Homes from the low-$200,000s.
Sugar Sands in Riviera Beach
Sugar Sands sits along the Intracoastal Waterway in Riviera Beach, offering water views and boating without the high-rise feel of more crowded coastal areas. This established 55+ community features single-family homes and villas with screened porches — perfect for waterfront living in a subtropical climate.
Residents enjoy a clubhouse with activities, a community pool, and direct water access for kayaking, fishing, or simply relaxing by the shore. Sugar Sands combines convenience — close to shopping, medical services, and cultural attractions — with the serenity of a waterfront location.
Homes from the mid-$200,000s.
Edgewater Arms in Dunedin
Edgewater Arms is a waterfront 55+ community in Dunedin, on Florida’s Gulf Coast near Clearwater and Tampa Bay. Known for its low-rise condos and quiet neighborhood feel, Edgewater Arms provides residents with beautiful water views and easy access to the bay’s recreational options.
Many units feature balconies or patios overlooking the water, and the community’s atmosphere is relaxed yet social. Dunedin itself boasts charming downtown shops, craft breweries, and nearby beaches — giving residents both small-town character and coastal living.
Prices from the mid-$400,000s.
Each of these communities pairs maritime lifestyle and Florida sunshine with homes built for comfort and low-maintenance living — perfect for retirees who want water close to home.