55+ Communities in Clermont

Who is retiring to Clermont

About 23.6% of Clermont residents are 65 or older and the median age is 42.2, so retirees live alongside a large number of working families. Only 2.9% of homes are seasonal. In practice that means most 55+ buyers here move full time, often to be closer to children and grandchildren in the Orlando area, rather than to spend winters.

Clermont sits in south Lake County, with rolling hills unusual for Florida, the Clermont Chain of Lakes, and the Citrus Tower overlooking the city. State Road 50 and US 27 cross the city and the Florida Turnpike runs nearby, so Orlando, the airport and the theme parks are within driving distance without living inside the metro's traffic.

Kinds of 55+ housing around Clermont

• Gated active-adult communities. Age-restricted single-family and villa neighborhoods built by national builders, with a clubhouse, pool, fitness center and activity staff. Some include golf.
• Age-restricted sections inside larger master plans. A few planned developments set aside a 55+ village within a larger all-ages community, sharing some amenities.
• Retiree-heavy neighborhoods without a restriction. Many newer subdivisions with single-story homes attract retirees even though anyone can buy.
• Manufactured-home parks. Fewer here than in central Lake County. Mobile homes are 1.7% of Clermont's housing, compared with much higher shares to the north around Leesburg and Lady Lake.

For any community marketed as 55+, confirm it meets the Housing for Older Persons Act test: at least 80% of occupied homes must have one resident aged 55 or older, with written policies and age verification on file.

Clermont 55+ prices and how they compare

The typical home in Clermont is $427,392, down 1.6% in a year after a 19.4% rise over five years. A two-bedroom home is valued at about $309,318, a three-bedroom at about $388,772 and a four-bedroom at about $485,595. The lower third of the market starts near $334,535 and the upper third near $580,855, a narrower range than coastal cities.

To the north, Leesburg at $273,975 and Lady Lake at $328,905 cost noticeably less, and Lady Lake borders The Villages. Mount Dora is $387,027. Groveland, right next door, is $367,343. Montverde, at $687,141, is the high-priced exception. If budget is the top priority, a 20 to 40 minute drive north in Lake County can save $50,000 to $150,000 on a similar size home.

Inside Clermont the condo market is small and cheap, about $146,658 and down 4.9% last year, and it rarely overlaps with 55+ demand. Most retirees here want a single-story detached home or an attached villa with a garage. Resales in communities built in the 2000s and 2010s are where buyers tend to find the most square footage per dollar, while brand-new phases cost more but come with a new roof, new systems and builder warranty coverage.

Buying new construction in a 55+ community

Because so much of Clermont's 55+ supply is new, a few points come up on almost every purchase:

• The builder's contract favors the builder. Read the deposit terms, the completion timeline and what happens if construction runs late.
• Base price is the starting point. Lot premiums, structural options and design center upgrades can add a large share to the final price.
• Incentives usually require the builder's lender. You can use any lender, but the closing credit or rate buydown often depends on using theirs. Compare the full loan estimate.
• Hire your own inspector. Inspect before drywall and again before closing, even with a builder warranty.
• Bring your own agent. The on-site sales rep represents the builder. Register your agent on the first visit, since many builders will not pay a buyer's agent you bring later.

HOA dues and CDD assessments

Most active-adult communities near Clermont charge HOA dues that cover the clubhouse, activity staff, pools, gates and often lawn care. Many were also built with a Community Development District, which bills an annual assessment through the Lake County tax bill to repay bonds for roads and utilities. Ask the sales office or seller for both numbers, and check the property tax bill for the actual CDD amount on that lot. Homestead lowers your taxable value but does not lower a CDD or HOA charge.

As a permanent resident, you can claim up to $51,411 in homestead exemptions in 2026, and Save Our Homes then caps yearly assessment increases at 3% or CPI. With no state income tax, a Clermont retiree's main recurring costs are property taxes, insurance and these community fees.

Insurance and inspection questions inland

Being inland reduces storm surge risk but hurricanes still bring wind and heavy rain to Lake County. Newer homes built to current Florida code usually get better insurance quotes, especially with a wind mitigation report showing roof-to-wall connections and the roof shape. Low areas around Clermont's lakes can fall into FEMA flood zones, so check the map for the exact lot and get a flood quote anyway. Central Florida also has sinkhole history, so ask about any past claims on resale homes and read what your policy covers.

If you tell me your budget and whether you prefer brand-new or resale, I will put together Clermont 55+ options with the HOA and CDD figures already filled in.