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Downsizing Your Empty Nest?

Homes you can get for under $200,000

Florida

Location: SummerGlen, a 55-plus community in Ocala

Built: 2010

Listing price: $179,900 for the Melbourne II model

Homes for under $200,000

— Courtesy of Florida Lifestyle Communities

What you get: 1,694 square feet in living area, 3 bedrooms, 2 baths, "great room" with formal dining area. Master bedroom/bath with walk-in closet. Sliding glass doors open to a screened lanai. Two-car garage.

Monthly maintenance fee: $125, includes lawn mowing and use of club, pool and spa, fitness and crafts centers, sports and activities.

Optional golf club membership: $7,500 equity payment upfront, transferable to a future buyer. Annual dues vary from $1,700 to $2,900. Nonmember homeowners can play golf for about $35 per round.

Annual taxes: $2,300-$3,000, depending on whether the property is claimed as the primary residence.

The pitch: The bedrooms sit on the opposite end of the house, so "there's lots of privacy, and it's nice and quiet," says Charlene Martin, who, with her husband, Charlie, moved from Michigan in December into a Melbourne II model.

Next: Walkable community for all ages in New Mexico. >>

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