Water Oak Country Club Estates 55+ community guide · Lady Lake, FL

Yes. Water Oak Country Club Estates is listed as 55+ age-restricted. Under the federal Housing for Older Persons Act, at least 80% of occupied homes must have at least one resident aged 55 or older; check the community's own rules for guests, younger spouses and renters.

Reported dues are Lot rent ~$765 (one 2026 listing) per month as of October 2026. Fees vary by home and change over time, so confirm with the HOA.

We have not yet confirmed whether Water Oak Country Club Estates is gated.

Yes (verify holes).

About 8 minutes (3.1 mi) by car to UF Health The Villages Hospital, the nearest Lake County hospital. Times are measured from the community entrance or sales center without traffic and will vary by home.

The nearest urgent care is MD Now Urgent Care - Lady Lake, about 5 minutes away. The nearest pharmacy is Walgreens, about 5 minutes away. Veterans can use the The Villages VA Clinic, about 15 minutes away. Times are by car without traffic.

We have not yet confirmed whether this community carries a Community Development District (CDD) assessment. Check the non-ad valorem assessments on a current Lake County tax bill for any home you're considering.