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Plus if the Board of Directors of the community ban anyone under 55, it would become very difficult to hire a professional caregiver for ones self who is 55 or older.
(we're not in Florida. I'd think it would be up to the individual communities.)
Personally, I've always thought a range of ages was appropriate for any community - older folks get to see little babies and it cheers them up (generally), children see people growing old and hopefully learn not to be frightened of them. Families walk their dogs and get acquainted with other neighbors.
Other adults are available to help out - that's really important in a community - it creates bonding and I think stability.
I've seen that vanish in my community as municipal problems have developed, people have fled, companies purchase abandoned and/or foreclosed homes as rentals, and the mix of owners vs. renters changes, and renter turnover rises.
People who are compassionate and/or willing enough to help their neighbors don't create dissension by calling and reporting every time a blade of grass grows higher than 6".
I personally like having a mix of ages (and races, and nationalities) in a community, but there's something to be said for the "older adult" enclaves. The one my mother lives in is very quiet, clean, and safe, and the homes and yards are all well-kept. That's why people live there. Kids and grandkids visit the residents all the time - on weekends the pools are taken over by rowdy kids, even though they're supposed to be supervised and accompanied by a resident. Holiday parties and special events in the community are family-friendly also. The people that live there seem to really like it. I like it too, but one of the reasons I don't live there full-time is that I like having more kids and younger folks around, and I'm willing to put up with the noise and commotion and occasional candy wrappers on my lawn.
I agree with your main point though - there's no need to police other people unless they're interfering with your quiet enjoyment of your own property. Busybodies are not anybody's favorite neighbors.
I lived in a 62+ community with my ex when I was 52-57. He was 12 years older, so we qualified. There were a few others with one older and one younger that all worked out fine. However, there was one woman whose son moved in. He was nothing but trouble -- drugs, late nights, reckless driving. He was asked to leave pretty quickly.
The example of the partying boozing drugging little bugger was something that should never have even been given any sort of haven by the actual resident.
18 on up can be caregivers, but the line has to be drawn somewhere. This is why I say does not disrupt or disturb. This eliminates young children altogether in my opinion.