Go online and take a look at On Top of the World in Ocala, FL. Then look at real estate for OTOW in the Ocala Star Banner paper. The only homes on the OTOW site will, of course, be new ones that start at around $150,000. But, OTOW was started in the 1980s with villa homes, two to 4 joined homes. These older homes are much lower in price. One of the smaller ones, about 1,000 sq ft, was listed last week at $49,000. All homes in OTOW are concrete block construction so are sturdy and quiet. Most of the older ones have had lots of improvements (sun rooms, tile floors, etc.). You would buy this on a 99-yr lease so you don't buy the land. Taxes are low here and no state income tax. You will pay a monthly maintenance fee of $350-$400. This will cover insurance on the outside, painting the outside, yard work, gate security, basic cable, water in the villas, maintenance of the properties, etc. There are 3 pools, 3 golf courses, pickleball and tennis courts, restaurants on site, a huge senior educational program, two small shopping centers with two supermarkets -- all accessible by golf cart if you don't drive much. Many clubs (including a quilting club and two crafts clubs). One hospital, two ERs, many medical offices within 10-15 minutes from your house, two more hospitals in town (about 20-minute drive). We have been here 11 years and really like it here.