[villages07]

Agra,

Unfortunately, with a 14 year old you will not be able to live here full time. All permanent residents must be 19 or older. There are family pools and underage visitors but children are limited to visiting 30 days per calendar year. There are some surrounding housing developments that are open to all ages but they do not have access to TV amenities.

Insurance, is higher on manufactured homes (relative to the cost of the home) than on site built homes but still reasonable....think I read somewhere about $1200 for Mfr home; Villas might be more like 500-800/year.

Amenity fee....you will be charged the current fee when you buy, regardless of where you buy. That is approx $135/month and covers the ongoing maintenance and operation of exec golf courses, pools, rec centers. I have heard that about 60% of the amenity fee goes towards payment for the initial purchase of the facilities and 40% to ongoing maintenance, operation, and upgrade.

Depending on where you choose to buy, your neighborhood may be covered by a CDD/bond assessment. Even if the initial infrastructure bond has been paid off, you will have an ongoing CDD maintenance assessment....this covers postal stations, golf cart trails, common landscaping, common area lights, irrigation, etc for your CDD district. This runs approx 400-500/year.

It sounds to me like your biggest hurdle will be the 14 year old. Unless you plan to buy something but only use it sporadically until the child turns 19.

Good luck.