Exact age restriction rules to buy and live in the villages

[Tim05811]

I will be retired in less then a year and looking to buy/live in the villages. I (alone) am much less then 55 however. If the villages realtor allowed the exception, can an MLS agent as well if I found a resale home through them? Thanks in advance.

[asianthree]

I will be retired in less then a year and looking to buy/live in the villages. I (alone) am much less then 55 however. If the villages realtor allowed the exception, can an MLS agent as well if I found a resale home through them? Thanks in advance.

Your age will not be a factor. Laws allow for up to 20% below the age of 55 to live in a retirement community

[graciegirl]

I will be retired in less then a year and looking to buy/live in the villages. I (alone) am much less then 55 however. If the villages realtor allowed the exception, can an MLS agent as well if I found a resale home through them? Thanks in advance.

And neither will it make a difference if you buy from a Villages agent or a MLS realtor.

BUT you can't buy or live here if you are under 19. ;)

I have noticed that there are a lot of old people who live here. Hope you enjoy old people.

[tuctba1958]

In 2004 at age 45 I tried to buy a new home but was told they reached the 20% level. I was told you could legally buy a resale. So they sent me to First Village Realty which at the time was a Villages mls company. We bought a new home that was being flipped by a couple who at the time bought 3 homes. One to live in and 2 to flip. They closed in August 04 and paid 164k we closed in October 04 for 208k.....ouch! All worked out we sold for a profit and eventually bought a new home in TV.


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[Arctic Fox]

I have noticed that there are a lot of old people who live here. Hope you enjoy old people.

No old people here, GracieGirl, just young people with a lot of experience :-)

[Jakesmom208]

You could consider Oxford Oaks which is just outside TV at 466 and 301 near the high school. They will soon be getting a community pool. The homes are the same models as TV homes however no bond.

Oxford Oaks | A Gated Family Community Near The Villages Florida (http://oxfordoaks.com)

[graciegirl]

In 2004 at age 45 I tried to buy a new home but was told they reached the 20% level. I was told you could legally buy a resale. So they sent me to First Village Realty which at the time was a Villages mls company. We bought a new home that was being flipped by a couple who at the time bought 3 homes. One to live in and 2 to flip. They closed in August 04 and paid 164k we closed in October 04 for 208k.....ouch! All worked out we sold for a profit and eventually bought a new home in TV.


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Will someone link to the federal guidelines for an age restricted community? We have lived here, owned here nine years and I read all news and communications faithfully and have a number of friends who are up to date and this is the absolute first time I have ever heard that anyone was refused because of age. Some couldn't get financing, but age was never an impediment to buying here. And they do keep track, they have to keep track about owners to keep their status as an age restricted community.

There seems to be a lot of posts in the last couple of days that are critical of Villages agents and some asking unusual questions and some bringing up controversial topics about MLS and Village Agents.

But it is nice to hear from a lot of new people.

[Trish Crocker]

Due to federal housing laws there can be no discrimination due to age. The ONLY exception is a community in which there are at least 80% homeowners over the age of 55. If the Villages were to exceed the 20% under 55 limit we would no longer be able to keep this as a senior community and would have to allow anyone to purchase homes. I have a hard time understanding how someone could be told that they could buy a resale even if it exceeded the 20%...I get the feeling that there was some miscommunication. One of the posters stated that the 'agent' would allow the exception. No matter who the agent is, MLS or otherwise, the agent cannot break federal housing laws.

[Allegiance]

Where does one find the current percentage?

[champion6]

In 2004 at age 45 I tried to buy a new home but was told they reached the 20% level. I was told you could legally buy a resale. <snip>

Will someone link to the federal guidelines for an age restricted community? We have lived here, owned here nine years and I read all news and communications faithfully and have a number of friends who are up to date and this is the absolute first time I have ever heard that anyone was refused because of age. <snip>Please observe that the situation described by tuctba1958 occurred 12 years ago. It certainly does not exist today.

[champion6]

Where does one find the current percentage?You can't find it. It's not communicated to the public in any way that I have observed.

[ajbrown]

No matter how many times this comes up, people still mis-quote the law. Possibly 80% of the people cannot remember what happened a week ago (me included :D).

Nothing to do with ownership, nothing to do with population, they do not HAVE to allow 20%. Anyway, see question #3 here:

https://portal.hud.gov/hudportal/documents/huddoc?id=DOC_7769.pdf

[billethkid]

There is no age requirement for resales.

Nobody keeps track of the ongoing day to day age mix present in TV. How would they ever know?

I know when we bought and had our home built there was some chatter that new sales had to adhere to a certain mix...maybe the 80/20 split.

Resales? Requirements....approved loan or big enough check!!!

[Dr Winston O Boogie jr]

Your age will not be a factor. Laws allow for up to 20% below the age of 55 to live in a retirement community

So many people misunderstand this law in this way. What the law says is that in order to qualify as an over 55 retirement community, at least 80% of the HOMES must be occupied by at least one person over the age of 55. This is a federal regulation that applies to all homes in any over 55 community. It applies to new homes as well as resales. In fact it has nothing to do with sales. It is based on occupancy. Anyone can own a home here, even people that are not allowed to live here.

The Villages rule is that no one under the age of 19 may live in The Villages full time. No one under the age of 30 may use the adult pools.

It is possible, albeit extremely unlikely, that 80% or more of the residents in TV be under age 55.

The Villages keeps records by the amenity bills and resident passes that they issue. They do not make those records public.

[Villager Joyce]

I'll bite. Do you plan on living here full time? Do you have a lifestyle that would fit well into a retirement community?

I never felt the need to post my age, race, religion, or political party.

[njbchbum]

Will someone link to the federal guidelines for an age restricted community?
snipped


Here ya go:

Here's the 'long form' re:
24 CFR Part 100
Implementation of the Housing for Older
Persons Act of 1995
Final Rule
http://www.hud.gov/offices/fheo/library/hopa_final.pdf


And here's the 'short form":
Housing for Older Persons Requirements
Federal Register 24 CFR Part 100; section 760.24-760.37 (4a), Florida Statutes

For a community to be considered "housing for older persons" as a 55+ community, the housing must be intended and operated for occupancy by persons 55 years of age or older and meet the following requirements:

At least 80% of the occupied units are occupied by at least one person 55 years of age or older.
The facility or community publishes and adheres to policies and procedures that demonstrate its intent to in fact be a provider of housing for older persons.
The facility or community complies with rules established by the U.S. Department of Housing and Urban Development (HUD) for verification of occupancy.
Housing for Older Persons Directory / Resources / Home - Florida Commission on Human Relations (http://fchr.state.fl.us/fchr/resources/housing_for_older_persons_directory)

[Topspinmo]

IMO the needs to be clause. If you allow your adult child (over the age 19) live in your household and that adult child commits felonies proven in court of law on seniors over the age of 55 they immediately lose there right to live in 55 and older community. :boom:

Ok now the PC police and moochers can flame on.

[yabbadu]

The most logical place to inquire for this question is The Villages Home offices.

[manaboutown]

IMO the needs to be clause. If you allow your adult child (over the age 19) live in your household and that adult child commits felonies proven in court of law on seniors over the age of 55 they immediately lose there right to live in 55 and older community. :boom:

Ok now the PC police and moochers can flame on.

Something needs to be done, not only in The Villages but in other 55 and over communities. I know of one such community which used to be tightly run but has recently come under new management - the residents (gulp)!. With the exception of caregivers one occupant of a couple is required to be 55 or older. What has happened is that more and more occupants are using a loophole, letting their loser adult children and grandchildren move in with them as "caregivers". These younger folks are druggies, alcoholics, felons, you name it and they are quite problematical in many ways.

[Villager Joyce]

I wonder if the OP is going to come back and respond to the answers to his post.

[Polar Bear]

...loser adult children and grandchildren move in with them as "caregivers". These younger folks are druggies, alcoholics, felons, you name it and they are quite problematical in many ways.

All I can say is...

Wow.

[Packer Fan]

Where does one find the current percentage?

I bought when I was 51. They never said a thing (2 years ago). I asked about it - they told me they were at about 8% - nowhere near the limit.

Ed

[Fastskiguy]

My wife and I bought when I was 46 and she was 50 and the age issue didn't really even come up. As far as old people living in TV....it's funny but it seems like people are getting younger every time we visit!

[graciegirl]

Some old people are really not any fun. But I think they were never any fun.

I avoid them at all costs. I also avoid younger people who aren't any fun too.

Carry on.

[LadyPenO]

We read about those "underage" folks picked up for DUI with addresses living in The Villages almost everyday in our Daily Sun.

[Dr Winston O Boogie jr]

Read the rule again folks. It is possible and legal, though extremely unlikely, for over 80% of the residents here to be under 55.

20% of the occupied units must be occupied by at least one person over the age of 55. That's what the law says.

Here's an example. You have 100, three bedroom units with six people living in each unit. In twenty of the units all six people are under the age of 55. In each of the other 80 units you have one person over the age of 55 and five people under the age of 55.

That gives you 600 residents 80 who are over 55 and 520 who are under 55. That's 87% of the residents under the age of 55. That would be perfectly legal under the law.

If you had all four bedroom units, the percentage of under 55ers could be even higher.

As I said, this is highly unlikely, but it demonstrates what the law says.

[manaboutown]

Read the rule again folks. It is possible and legal, though extremely unlikely, for over 80% of the residents here to be under 55.

20% of the occupied units must be occupied by at least one person over the age of 55. That's what the law says.

Here's an example. You have 100, three bedroom units with six people living in each unit. In twenty of the units all six people are under the age of 55. In each of the other 80 units you have one person over the age of 55 and five people under the age of 55.

That gives you 600 residents 80 who are over 55 and 520 who are under 55. That's 87% of the residents under the age of 55. That would be perfectly legal under the law.

If you had all four bedroom units, the percentage of under 55ers could be even higher.

As I said, this is highly unlikely, but it demonstrates what the law says.

As long as no house near me is loaded with illegal immigrants, used to manufacture meth or being used as a halfway house I am happy.

[2BNTV]

I may be wrong and sometimes I am but I never heard of anyone being refused to buy a home in TV, that was under 55.

Nuff said...........

[njbchbum]

Doc - I think you have the percentages backwards:

Housing for Older Persons Requirements
Federal Register 24 CFR Part 100; section 760.24-760.37 (4a), Florida Statutes

For a community to be considered "housing for older persons" as a 55+ community, the housing must be intended and operated for occupancy by persons 55 years of age or older and meet the following requirements:

At least 80% of the occupied units are occupied by at least one person 55 years of age or older.
The facility or community publishes and adheres to policies and procedures that demonstrate its intent to in fact be a provider of housing for older persons.
The facility or community complies with rules established by the U.S. Department of Housing and Urban Development (HUD) for verification of occupancy.
Housing for Older Persons Directory / Resources / Home - Florida Commission on Human Relations (http://fchr.state.fl.us/fchr/resources/housing_for_older_persons_directory)

[CFrance]

Something needs to be done, not only in The Villages but in other 55 and over communities. I know of one such community which used to be tightly run but has recently come under new management - the residents (gulp)!. With the exception of caregivers one occupant of a couple is required to be 55 or older. What has happened is that more and more occupants are using a loophole, letting their loser adult children and grandchildren move in with them as "caregivers". These younger folks are druggies, alcoholics, felons, you name it and they are quite problematical in many ways.
Boy, talk about painting with a broad stroke. How about backing up your statement with some statistics?

[ColdNoMore]

Boy, talk about painting with a broad stroke. How about backing up your statement with some statistics?

Yep. :thumbup:


I'm surprised no one has made the suggestion that we build a wall around TV...and make Wildwood/Leesburg/Lady Lake/Etc....pay for it.



:D

[Kup Kake]

Yep. :thumbup:


I'm surprised no one has made the suggestion that we build a wall around TV...and make Wildwood/Leesburg/Lady Lake/Etc....pay for it. :D

Gee . . . Where have I heard something like that before???
It has a very familiar ring to it.

If only it was a possibility, but wishful thinking, I fear.
:a040:

[Kup Kake]

I will be retired in less then a year and looking to buy/live in the villages. I (alone) am much less then 55 however. If the villages realtor allowed the exception, can an MLS agent as well if I found a resale home through them? Thanks in advance.

I assume you have a reason for wanting to live in an adult community such as The Villages, or at least, I hope you do.

The Villages does not have any Realtors working in the sale of houses; they only have agents.
Realtors who work for outside sales offices can and do list and sell properties in The Villages.

You don't give your age but your comment indicates you are fairly young.
My comment to you is to be sure this is the type of environment you really want to live in.
Or -- as Barbara Walters would put it, "be careful what you wish for."

[Dynsol]

Considering all the misquotes and opinions, it would be in your best interest to contact The Villages direct.

[manaboutown]

Boy, talk about painting with a broad stroke. How about backing up your statement with some statistics?

I doubt statistics are available since these situations remain secretive unless revealed.

Want to welcome 39 year old Jonathan David Pentz, a convicted sex offender and armed robber, to the home of a couple bearing the same last name, to the village of Winifred?

[CFrance]

I doubt statistics are available since these situations remain secretive unless revealed.

Want to welcome 39 year old Jonathan David Pentz, a convicted sex offender and armed robber, to the home of a couple bearing the same last name, to the village of Winifred?
So you are just espousing your own opinion as fact.

[Dr Winston O Boogie jr]

Doc - I think you have the percentages backwards:

Housing for Older Persons Requirements
Federal Register 24 CFR Part 100; section 760.24-760.37 (4a), Florida Statutes

For a community to be considered "housing for older persons" as a 55+ community, the housing must be intended and operated for occupancy by persons 55 years of age or older and meet the following requirements:

At least 80% of the occupied units are occupied by at least one person 55 years of age or older.
The facility or community publishes and adheres to policies and procedures that demonstrate its intent to in fact be a provider of housing for older persons.
The facility or community complies with rules established by the U.S. Department of Housing and Urban Development (HUD) for verification of occupancy.
Housing for Older Persons Directory / Resources / Home - Florida Commission on Human Relations (http://fchr.state.fl.us/fchr/resources/housing_for_older_persons_directory)

Read my post again. It is mathematically possible under that rule for over 80% of the residents to be under 55. Only one person per unit must be over 55. You could have six people living in a home and only one over 55 and still qualify.

[Dr Winston O Boogie jr]

Considering all the misquotes and opinions, it would be in your best interest to contact The Villages direct.

I don't know what's so difficult to understand. People have posted the law. It says that 80% of the homes must be occupied by at least one person over the age of 55.

[rjm1cc]

No problem buying a home if you are under 55. But living in it could be a problem. I would get written permission from the Villages to be a resident and be counted as part of the 20%. If the Villages is lax in enforcing the rules now it does not mean that they won't be forced to enforce them in the future.

[Barefoot]

Where does one find the current percentage?

The Villages keeps records by the amenity bills and resident passes that they issue. They do not make those records public.

Interesting ... that is the first time I've ever heard a theory on how The Villages keeps track of ages.

[CFrance]

Using a couple facts to make a broad statement is what I'm objecting to. But oh well...

[manaboutown]

Using a couple facts to make a broad statement is what I'm objecting to. But oh well...

I am sure one could find many, many examples of this type of situation if he/she wanted to take the time to look. Or, he/she could choose to remain in denial. Its his/her choice.

[Barefoot]

What has happened is that more and more occupants are using a loophole, letting their loser adult children and grandchildren move in with them as "caregivers".
I don't understand why you posted "More and more occupants are using a loophole".
Children and grandchildren over the age of 19 have always been able to live in The Villages as caregivers.
They can rent houses (without a parent or grandparent).
We may not like "the rules", but that's the deal we signed up for.

[ColdNoMore]

I don't understand why you posted "More and more occupants are using a loophole".
Children and grandchildren over the age of 19 have always been able to live in The Villages as caregivers.
They can rent houses (without a parent or grandparent).
We may not like "the rules", but that's the deal we signed up for.

:agree:

[graciegirl]

I don't understand why you posted "More and more occupants are using a loophole".
Children and grandchildren over the age of 19 have always been able to live in The Villages as caregivers.
They can rent houses (without a parent or grandparent).
We may not like "the rules", but that's the deal we signed up for.

That is true. The facts, pure and simple. No one has broken an agreement. We know where he is and we need to keep in mind he is living among us. Rather the devil you know than the devil you don't know.........

[Dr Winston O Boogie jr]

I don't understand why you posted "More and more occupants are using a loophole".
Children and grandchildren over the age of 19 have always been able to live in The Villages as caregivers.
They can rent houses (without a parent or grandparent).
We may not like "the rules", but that's the deal we signed up for.

Where do you come up with that people under 19 can rent houses in The Villages.

My understanding is that children under the age of 19 are not allowed to live here. Maybe there is an exception for caregivers, but I doubt that children under 19 can occupy a home whether a rental or a purchase.

Sorry. Misread your post. The fact is that people over the age of 19 can buy, rent and/or reside in The Villages unless less than 80% of the homes are occupied by at least one person over the age of 55.

[Polar Bear]

Where do you come up with that people under 19 can rent houses in The Villages...

?????

Bare said OVER 19. :)

[Packer Fan]

Interesting ... that is the first time I've ever heard a theory on how The Villages keeps track of ages.

It would be hard to keep track of this way, since we don't put renters ages on the form when we apply for temporary IDs for them!

[Villager Joyce]

Pet peeve. Poster asks what is always controversial question and then never responds. Did you change your mind about coming?

[outlaw]

The enforced rule is if your check clears, you can buy and live in a TV home.

[Dr Winston O Boogie jr]

?????

Bare said OVER 19. :)

Yea, I just noticed that. My apologies.

Anyone over the age of 19 is allowed to live in The Villages unless we get to a point where less than 80% of the homes are occupied by someone over the age of 55. And even if that were the case, they'd still be able to move in as long as they lived in a home with a person over 55.

They don't need to be caregivers or children of residents.

[Jakesmom208]

Something needs to be done, not only in The Villages but in other 55 and over communities. I know of one such community which used to be tightly run but has recently come under new management - the residents (gulp)!. With the exception of caregivers one occupant of a couple is required to be 55 or older. What has happened is that more and more occupants are using a loophole, letting their loser adult children and grandchildren move in with them as "caregivers". These younger folks are druggies, alcoholics, felons, you name it and they are quite problematical in many ways.

I am one of theses "younger folks" and am not a druggie, alcoholic, felon nor am I problematic. I was smart and was able to retire at age 46 so please don't label every under 55 person enjoying the Villages.

[theorem painter]

The bottom line is that if the percentages become for example 75%/25% nothing will happen other than The Villages can't advertise that they are a 55+ community. They won't lose federal funds because they don't get any. They certainly don't advertise on TV like they used to. In my humble opinion they don't care who lives here just as long as they sell houses.

[Dr Winston O Boogie jr]

Something needs to be done, not only in The Villages but in other 55 and over communities. I know of one such community which used to be tightly run but has recently come under new management - the residents (gulp)!. With the exception of caregivers one occupant of a couple is required to be 55 or older. What has happened is that more and more occupants are using a loophole, letting their loser adult children and grandchildren move in with them as "caregivers". These younger folks are druggies, alcoholics, felons, you name it and they are quite problematical in many ways.

What do you mean by tightly run? We've posted what the law says several times. The Villages or any other over 55 community has no right to deny people the right to purchase a home as long as the guidelines are met.

Why do you refer to this as a loophole? It's simply the law. As long as some one is over the age of 19 and 80% of the units in the community are occupied by at least one person over the age of 55 they have the right to live here. They may rent, live with parents or own the home in which they live. I don't know for sure, but if they have no person over 55 living un their unit, and if we got below 80% of the homes having a person over 55 in them, they might have to move out.

As far as records being kept, since this is a federal law, I would think that it would be mandatory that records are kept. I wouldn't be surprised if an annual report has to be made to some government agency in order to keep our status as an over 55 community.

[ajbrown]

What do you mean by tightly run? We've posted what the law says several times. The Villages or any other over 55 community has no right to deny people the right to purchase a home as long as the guidelines are met.

Why do you refer to this as a loophole? It's simply the law. As long as some one is over the age of 19 and 80% of the units in the community are occupied by at least one person over the age of 55 they have the right to live here. They may rent, live with parents or own the home in which they live. I don't know for sure, but if they have no person over 55 living un their unit, and if we got below 80% of the homes having a person over 55 in them, they might have to move out.

As far as records being kept, since this is a federal law, I would think that it would be mandatory that records are kept. I wouldn't be surprised if an annual report has to be made to some government agency in order to keep our status as an over 55 community.

Doc. They do have a right, the 80% is a minimum. The 20% is there to give them a cushion in the event an 55+ loved one dies. What they allow in the 20% is up to the community.

We were not allowed to buy a condo in Norton, MA AFTER we already owned a home in The Villages because no one in the home would be 55+.

It is up to the community if they allow homes without a 55+ occupant. The Villages is looser than the community in Norton.

What happens if they go under 80%? They no longer are an over 55 community and can no longer deny access to anyone, including young families.

[Fraugoofy]

I am one of theses "younger folks" and am not a druggie, alcoholic, felon nor am I problematic. I was smart and was able to retire at age 46 so please don't label every under 55 person enjoying the Villages.
Jakesmom208: I agree...

[Barefoot]

Pet peeve. Poster asks what is always controversial question and then never responds. :agree: Perhaps your pet-peeve post will prompt Tim to respond.