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This is an adult community, they are using this excuse to stay in our community. Are there credentials needed to be a caregiver in Florida?

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If they are causing disruption, or disturbing the peace, report them to the board. Usually there are guidelines in place to address this situation.
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My mother lives in a 55+ community also, in a house that she and I co-own. My two older sisters also live there. In our community, there's an age exception for caregivers (whether relatives or not) and the community has some sort of criteria for assessing that. When it's an adult child, though, there's less scrutiny. We have quite a few people under 55 living with their parents; most are caregivers (or at least chauffeurs for parents who no longer drive) and some are not. A few sons or daughters under age 55 have hit hard times and needed to move in with their folks; in one case, an under-55 daughter stayed on after her elderly parent entered a nursing home. Everyone sort of looks the other way as long as the person obeys the community rules. I don't think we have any residents younger than 40 or 45, and they all seem to fit right in without any problems.
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You should be happy for your neighbors they have caring family members who want to live with them, Are you a little jealous? Mind your business unless they are causing disturbances or problems. Get something more to occupy your time and enjoy your life.
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I agree with Txcamper. I would report them to management or the board if they are doing something wrong and ignore otherwise.

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.
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I doubt too many grown children who are under 55 would want to voluntarily live in a retirement community. They are there to help their parent(s).

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.
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I think whether or not proof would be necessary would depend on the HOA by-laws and any deed restrictions that were recorded when the complex was developed.

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".
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Sounds legit to me too. You don't really want your neighbors unable to receive care from families, do you? Live-in care is probably keeping lot of them in the community instead of assisted living or even skilled nursing.
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Hi there, I sold real estate in Florida for years and would list and sell in these communities. Most age-restricted communities have two restrictions. The first says that each household (or 80 percent of the households) must include a resident over the age of 55. The second adds an age restriction for the remaining members of the household, such as being over the age of 40 or simply over the age of 18. They can even set guidelines for how long underage visitors (such as grandchildren) are allowed to stay with community residents. I only encountered a "live-in" caregiver one time, who was a 35 year old niece and it was never questioned. She was there in a "caregiver" capacity, quiet, they kept to themselves, paid their association dues on time, etc. If these people are truly helping out, and they aren't a disruption, I wouldn't see a problem.
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Why are you concerned?
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JHall refer this problem to the Homeowner's Association. The Trustees will act on compliance via due process.
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