If it quiet home is important to you, then location is more important than materials. If you plan to enjoy a lanai this is particularly important. When we moved to The Villages I took a map and crossed off any neighborhood near a major road, railroad track, square, rec center (pickleball!), school, or adjacent to a multimodal path or sewage treatment facility. I also eliminated areas adjacent to power transmission lines (harder to resell) and developable land. This eliminated almost all of the southern half of the villages and most of the northern half. We ended up focusing on a wonderfully quiet neighborhood on the northwest side of the villages which was a good choice for us. Because we only had the option of pre-owned houses in this neighborhood, the number of houses available in the area was very limited and we did end up moving into a vinyl sided home. However, if a painted concrete home becomes available in the same neighborhood I would strongly consider buying it and putting this one on the market. Concrete is, as noted by earlier posters, favored by its durability, ease of maintenance, noise dampening, and resale value. Also, concrete homes in The Villages are often, but not always, built with more upgrades.
Some problems we noticed with our vinyl sided home and others in the area include: 1) initial installation was not a stellar job and we did have to correct some issues regarding water not draining properly from the lower trim 2) vinyl is extremely susceptible to damage from weed eaters used by lawn maintenance people 3) vinyl seems to require more frequent pressure washing, although once or twice a year is plenty 4) vinyl fades slightly with sun exposure over time, which can be problematic if having to repair a piece of vinyl siding with a matching piece 4) neighbor had a piece of siding disturbed by high winds, although it popped back into place easily. 5) The walls heat up a bit with prolonged direct sun, resulting in some of the kitchen cabinet interiors being warmer than we would like. 6) creatures like snakes and lizards are able to access the area behind the siding very easily. We did have a cute little snake living under the siding for a while and popping its head out occasionally from the bottom, but no critters in the house. That said, vinyl siding is a pretty hard wearing, economical material. Our vinyl sided home is extremely quiet, but I believe that has more to do with location than construction.
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