Ask a Resident - On Top of the World Communities

Get to know Florida's premier 55+ active adult retirement community from the resident's who live there! Your future neighbor's answer your questions about life at On Top of the World and the Ocala area.

Questions will be answered as quickly as possible and posted to this page. If you have a question about purchasing, please contact via email at or phone at 866-228-5878.

Q. Can you tell me the name of the natural gas provider and approximate cost per month? I understand that Duke supplies the electricity, is this correct, if not who does? Have you had any issues, i.e. outages to customer service with Duke? Also the water/sewage cost seem high, do you know why?

A. TECO is the natural gas provider, monthly cost would really depend on water usage, lot size, home size… Duke Energy provides electric. We have very few outages if hardly any here, and if so they are out to restore power quickly. Don’t know the answer to the water question.

– Laurie

Q. Are there homes in these neighborhoods that have swimming pools or can swimming pools be built?

A. You can have a pool built, just get a modification from the OTOW customer service department. There are residents with their own pools.

– Laurie

Q. Are satellite dishes or antennas permitted?

A. Yes, with the approval of a modification application from the customer service department here at OTOW.

– Laurie

Q. Are any of the Top of the World subdivisions pet friendly in Ocala, FL?

A. Yes, all of our neighborhoods in On Top of the World are very pet friendly, which include three dog parks for them to socialize and run around in.

– Laurie

Q. Where are packages (e.g. Amazon) delivered from vendors such as UPS, USPS, FedEx, DHL? i.e. Where do the residents pickup? e.g. Windsor West Residents.

A. The USPS puts a key in the mail box with resident’s regular mail.  There are large post boxes at each collection spot that they put the packages in.  Once they remove their package, they leave the key in the lock.

If something comes from UPS or FedEx then it is delivered directly to their homes.

– Nancy

Q. How long have you lived at On Top of the World and what's your honest impression? Is it the great place advertised?

A. I am a very happy  resident  at On Top of the World for over five years now. It is all and more living here. We have so many amenities, clubs, social activities, Master the Possibilities and our Cultural Center that offers so many different types of entertainment. I have been to other communities to see the differences and none compare to living here. Also, access by golf cart to shopping , banks, doctors which is so convenient. It is all that is advertised and more. Thank you for asking!!

– Laurie

Q. How does the waste pickup work for the Windsor neighborhood? Curbside or a central location where we need to take it to? Also, where do Windsor residents go to get their mail? (and packages?)

A. For the Windsor neighborhood, the mail, trash and recycling are all located at the Crescent Ridge II area. It is on SW 97th Street. You pick up your mail and packages, and take your trash and recyclables all to one location.

– Laurie

Q. Are there any issues with Internet bandwidth/speeds? What is the quality of customer service at BridgeNet?

A. I have heard from friends that the internet speeds are good and they have different plans to choose from. Best thing to do is go to Bridgenet store and talk to someone or give them a call. You can find a lot of information at

– Laurie

Q. Can we take a golf cart to Publix?

A. Yes! It’s very convenient, and they even have golf cart only parking.

– Laurie

Q. Do you have homes with lake views? If so, what area are they in?

A. We do not have lakes here at On Top of the World.

– Laurie

Q. Do you need to be exactly 55 to live in On Top of the World?

A. When purchasing here at OTOW one person on the deed must be 55yrs. old or better to qualify. You could purchase a home prior to that age and put the home in a property management/rental program until you turn 55.

– Gary

Q. Do you have to belong to the gateway pass to play pickleball?

A. If you live in Indigo East and want to play Pickleball at the Health & Recreation Center,  then you do need a Gateway of Services to access the many activities there.

If you live in  the Meridian Preserve, OTOW Central or Candler Hills neighborhoods that is included in your HOA fees.

– Laurie

Q. Does OTOW have any transportation to and from Orlando airport and if so approximate price?

A. There is no OTOW transportation to the airports. There is several companies and even some residents that drive people to and from the airports. Residents will advertise in the OTOW monthly newspaper. Don’t know their rates. Would need to contact them.

– Laurie

Q. Are golf carts allowed for transportation throughout?

A. Yes, we are golf cart accessible through out On Top of the World. We can go out to the retailers in front of main gates to the shopping plazas . We cannot cross Highway 200 or SW 80th over to Walmart Neighborhood Market or Walgreens.

– Laurie

Q. What is the cost of the Gateway Pass? per person or per couple?

A. As of June 2018, the Gateway of Services Pass per household per year is $750.00. That is optional annually.

– Laurie

Q. Are there any circumstances where the 55 age restriction may be exempted?

A. Unfortunately, I’m not able to answer this question. That’s a question that can only be answered by a Sales Counselor. Please call 866-228-5878 for more information.

– Nancy

Q. Are personal golf carts allowed for golf and if so, what is the trail fee?

A. Yes, you can have your own personal cart as a resident. We only allow electric no gas golf carts on the course. Trail fees are included in the annual golf club membership fees. Even if you pay as you go the trail fees are built into the price. Current rates can be found here.

– Laurie

Q. Will OTOW be getting an archery range or is there one nearby in Ocala?

A. There is a possibility for an amenity in the future for an archery range here at OTOW. There is one locally in Ocala and Lecanto, FL.

– Laurie

Q. Are there any activities there for dogs ?

A. Yes we do. There are 3 dog parks. One of the dog parks has a agility course.

– Laurie

Q. I know people place their homes facing different directions, but I would like to know which direction is best if I would like a pretty good amount of sunlight in the living area space, north-south possibly? Please recommend.

A. My preference is with the back of the house to the south.

– Laurie

Q. If you purchase a standard lot for your home what is your house facing (in the back of your home)?

A. A standard lot generally backs to another home.

– Laurie

Q. What are the HOA fees in Ocala, FL?

A. HOA fees vary from neighborhood to neighborhood. There are a few factors which dictate community service fees however it is largely dependent upon whether a resident lives in a maintenance-free or owner maintained home. For specific fee information please call 866-228-5878.

– Laurie

Q. If purchasing a home in Providence or Avalon if we decided to sell, can we bring our own realtor, does the new owner get the same lease or a continued lease based on our 100 years? Are we allowed to plant around the home, and put up a fence?

A. Yes, you can bring in your own realtor to sell your home. New owner gets the balance of the years on the lease. You can plant around your home and put up a fence upon getting approval of a Modification Request to Customer Service. If approved, whatever you plant around your home,  you are responsible for maintaining.

– Laurie

Q. If you live in other neighborhoods in OTOW, can you go to the Candler Hills restaurant?

A. The Club at Candler Hills is open to the public.

– Nancy

Q. Must resident be present with guests at the pool? Must the resident obtain the guest pool pass and at what cost?

A. You do not need to have a guest pass, but guests must be 15 years old to go to the Arbor Club pools.  Health & Recreation pool there is no age limit. There is no fee to the pools for guests.

– Laurie

Q. What is it like to live in Indigo East?

A. Indigo East is a very nice place to live with very friendly people who love living here. It is a smaller neighborhood and they have activities at the community center daily and nightly. For example, game night which includes: Bunco, Mah Jongg and Poker. Day activities are: Line dancing, yoga and exercise group. The ladies in the community put on a luncheon three times a year which is very nice. There is Master the Possibilities which has all kinds of classes that are interesting and fun.  Lots to do here. 

– Laurie

Q. Do you allow chain link fences?

A. A green chain link is permitted upon approval by the Architectural Review Board (ARB).

– Laurie

Q. What percentage of residents are Democrats and Independents?

A. Hard to say what percentage of any political party makes up the residents. We do have a Democrat and Republican clubs.  Republican club meets 2nd Fridays at 7:00 pm and Democrat club meets 4th Thursdays at 6:00 pm.   

– Nancy

Q. Does On Top of the World offer a visitation package?

A. Yes, there is a visitation program. Certain qualifications must be met though. Please call the Concierge team at 866-228-5878 to discuss a visit and inquire about full details.

– Laurie

Q. What is the pet policy?

A. You can have two pets per household. Either two dogs or two cats or one of each. There is no size or weight limit with a dog. However, when you are walking your dog it must be on a leash.

– Laurie

Q. Do you allow a percentage of individuals under 55 to purchase in your communities, as I have heard The Villages have allowed up to 20% occupancy under that age, and in home resales they do not have age restrictions?

A. The House for Older Persons Act (HOPA) allows communities to operate as “55 or older” housing.
The following criteria must be met:

  1. At least 80% of the units must be occupied by at least one resident over the age of 55
  2. The community must publish and adhere to policies and procedures demonstrating an intent by the housing provider (the Association) to provide housing for persons 55 years of age or older; and
  3. The housing provider must engage in appropriate age verification procedures that include a community census from time to time.
  4. At least one person 55 or older must reside in at least 80% of the occupied units.  The other 20% is set aside to allow as a “cushion” for residents to heir their home to someone under 55.

– Nancy

Q. How restrictive have you found the HOA rules to be? I am a gardener and have heard you are not permitted to put in roses, flowers, etc outside. Also, are fences of any kind permitted?

A. As a homeowner, you are required to submit your plans for landscaping prior to planting.  The same goes for fencing, submit your request to the Customer Service department for review prior to installation.

– Nancy

Q. Does each home have its own mailbox or is there a central area for all mailboxes?

A. It depends on  which neighborhood you live in.  We have some neighborhoods in the community that have individual mailboxes (i.e. Indigo East and Stonebridge or Sanctuary).  Others that have the central mailboxes (i.e. Providence and Avalon or Renaissance).

– Nancy

Q. Do they have a shooting range at OTOW? Do you have shuttles to the Orlando airport daily?

A. On Top of the World does not have a shooting range. We have shuttles that we can call for transportation to and from the Orlando and Tampa airports. There are some here in the Ocala area that we use often.

– Laurie

Q. Are electric fences permitted for OTOW homes on golf courses?

A. Yes, electric fences are permitted on golf course lots in OTOW.

– Laurie

Q. What beaches would you recommend and how far away are they? Are there any local lakes or rivers for boating and fishing?

A. To the Atlantic Ocean you are 90 miles to Ormond and Daytona Beaches. To the Gulf of Mexico you are 122 miles to Clearwater Beach in Tampa. There are a few small beaches in Crystal River about 45 miles away as well. 

There are over 15 areas where you can easily access boating and fishing here. From 30 to 90 minutes away. For example: Lake Weir, Rainbow River, Ocklawaha River, Crystal River, Lake Kerr and others.

– Laurie

Q. Are there shuttles to grocery stores?

A. Yes, there is an On Top of the World Bus that takes you to several places. You can view the community bus schedule hereThis will show you the pickup times,  places (neighborhoods) where the shuttles takes you to and picks you up from.

– Laurie

Q. Are grandchildren allowed to visit often or is visitation limited?

A. Yes, grandchildren are more than welcome but not for more than 30 days per visit.

– Laurie

Q. Are residents guests charged fees for use of the amenities? If so, how much per day and /or per week for use of what? Are any fees for each guest regardless of guest age and/or proximity to OTOW?

A. You are welcome to bring guests to the facilities. There will be a nominal fee levied for use of any of the facilities reserved for use by the residents. Once you or your guests have paid the appropriate fee, a temporary pass will be issued. As of May 2, 2017, fees range from $8.25 daily to $34 weekly for the recreation guest fee. Under 15 years of age are not permitted at any facility where there is a guest fee applied. 

– Nancy

Q. Do you have to pay for the lot where your home will be built?

A. There are standard lots available without extra premiums. Please contact a Sales Counselor for a complete list of available lots & pricing at 866-228-5878.

– Nancy

Q. What would you say is the biggest difference between On Top of the World and The Villages?

A. The biggest difference between On Top of the World and The Villages is size of population. OTOW has approx. 5000 homes vs. 120,000 homes.  This leads to congestion of traffic and people.

The overall number of people impacts amenities and services availability. 

Some examples, tee times at golf courses – OTOW has two resident courses that are “open play” – with no wait time.  The Villages requires tee times made weeks in advance.

Restaurant wait times, Health Care providers appointments, etc. 

– Nancy

Q. As a homeowner can you use amenities in other neighborhoods?

A. It depends on the area of On Top of the World you live in. Residents that live in the On top of the World Central and Meridian Preserve can utilize all of the amenities in their area.

Candler Hills residents can participate in all of the amenities that are in the On Top of the World Central, Meridian Preserve and Candler Hills.

Indigo residents have their own community center that is just for their neighborhood. If they would like to join the On Top of the World Central and Meridian Preserve amenities, they have an option to join with a Gateway of Services Pass for a yearly fee per household.

– Laurie

Q. What can you tell me about owner maintained homes?

A. With an owner maintained home, the homeowner is responsible for mowing the lawn, taking care of landscaping and any other outside maintenance such as painting, roof repair, etc… For complete details, please call a Sales Counselor at 352-854-3600.

– Laurie

Q. I was told that you teach courses at your community for seniors. I can't remember what the project is called. Can you tell me what it s called, what it is and how I would get more info?

A. The name of the program for continuous learning is Master the Possibilities.  The program crosses over many subjects – Arts & Humanities, Technology, Lifestyle & Fun, Science, Health & Wellness, etc. 

You can access the courses by either the website:  or via

Courses for Residents range from free to nominal depending on the class.

– Nancy

Q. Assuming I will not have a house payment, what additional costs will I incur on a monthly basis ? Electric, cable TV, water/sewer are expected. What are the monthly HOA fees, and any additional fees that I may not be aware of?

A. Community Service fees vary from neighborhood to neighborhood. There are a few factors which dictate community service fees however it is largely dependent upon whether a resident lives in a maintenance-free or owner maintained home. For specific fee information please call 866-228-5878.

– Laurie

Q. If I am interested in a Sunflower model of a home, is that only in Indigo section of On top of the World, or could that home be in another neighborhood of OTOTW?

A. This question would be best answered by a Sales Counselor, but I can say that we do offer a similar model, the Aragon, in our Windsor, Providence and Renaissance Park neighborhoods. Please contact a Sales Counselor for a complete answer at 866-228-5878.

– Laurie

Q. How late are the pools open until? Can you bring your own alcohol?

A. Pools open until dusk, so it varies depending on the time of year. Alcohol is not permitted at pools.

– Laurie

Q. Is it easy to get tee times on the golf courses?

A. Members can book tee times 7 days in advance and residents can book 4 days, at Candler Hills. Currently, there are no tee times on the two private courses. They are both first-come first-served.

– Laurie

Q. Is it easy for guests to get through the gate?

A. Yes, we have manned gates where you need to provide name and address of who your visiting and guard will record Their license plate number.

– Laurie

Q. Is there an option for gas appliances?

A. Natural gas is standard in all the homes.

– Laurie

Q. Is there food shopping, restaurants, etc…accessible by golf cart?

A. Absolutely! We have two grocery stores and three restaurants, banks, doctor’s offices all accessible by  golf cart.

– Laurie


With unmatched amenities, On Top of the World Communities is the leader of 55+ recreational activities in retirement communities in Florida, in both quantity and quality.


Each new home at On Top of the World Ocala is built with quality, steel reinforced, concrete block construction using superior materials and brands for better energy efficient homes.


As the premier 55+ active adult retirement community in Florida, On Top of the World Communities is an award-winning, family owned, debt-free company founded in 1947.

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