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"arafool....where in central Fl are you located?"
We are in the Ocala area, in a Del Webb "Active Adult" community, though it is not a CDD. We are "built out" so the HOA now owns/runs the place (except for the golf course).
We looked at the Villages, but it was/is way too populated for our tastes. They will have upwards of 100k people there if they fill it up. I understand that getting tee times there are very difficult.

I would say to jmitch that it is very possible to find very affordable digs in FL, but when you add the requirement for beachfront then there are no 'bargains' though I suppose that term is subjective.

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