Found this explanation when looking for the Florida Law. I do believe that there are E-bikes in the Villages that exceed 20 mph and are therefore not considered Bikes.
"Florida law places a 20 mph cap on the top speed of the electric bicycle. Any electric assisted pedal bike that exceeds that top speed capability to 30 mph is considered a Class E moped and a license and registration is required. E bikes are only allowed on sidewalks under pedal power. There are high performance models available that can reach speeds of 80 mph and are classified as motorcycles."
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