Retirement Community
Are you looking for the perfect fit in a retirement community? Important issues to research include safety and comfort; access to health care; financial matters; and family concerns. The communities listed in this tear-out section are for your reference.

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ALABAMA

The Hamlet, 214 Windsor Drive, North, Fairhope, AL 36532, (800) 323-2391, (251) 928-5413
The Hamlet is a secure, gated life-care community offering spacious 2-bedroom, 2-bath cottages, each with an attached garage, and fine dining in the elegant Clubhouse. Its location in Fairhope on Alabama's Gulf Coast means residents enjoy a beautiful year-round climate and a variety of leisure interests and activities. It is a Mercy Medical Life-care Retirement Community. PET FRIENDLY

Redstone Village, 7540 South Memorial Parkway, Huntsville, AL 35802, (866) 881-6717, (256) 881-6082
Redstone Village is a Life Care Retirement Community exclusive to retired military and spouses. It features cottages/apartments located on a 87-acre hilltop site near Redstone Arsenal. A 90-percent refundable entrance fee guarantees on-site assisted and nursing care. Amenities include dining, housekeeping, wellness center, and creative studio. (See ad on page 77.) PET FRIENDLY

ARIZONA

La Loma Village, Litchfield and Camelback Roads, Litchfield Park, AZ 85340, (888) 683-8500, (623) 975-8014
This new Life Care campus in Arizona's Valley of the Sun is just 20 miles from the heart of Phoenix and within two miles of the active Luke AFB. La Loma boasts unparalleled services and amenities and welcomes pets. (See ad on page 58.) PET FRIENDLY

PebbleCreek Resort Communities, 3639 Clubhouse Drive, Goodyear, AZ 85338, (800) 732-9949
PebbleCreek Resort Community is an active-adult resort community located near Luke AFB in Phoenix. The community includes two golf courses, a multimillion-dollar clubhouse, and activities such as tennis, swimming, and fitness programs. Model homes are sized from 1,100 to 3,400 sq. ft. and are priced from $130K to $300K. (See ad on page 78.) PET FRIENDLY

Winterhaven, 2862 Fairmeade Circle, Sierra Vista, AZ 85650, (800) 837-6841, (520) 803-9660
Escape to clean air, blue skies, mountain views, and a perfect climate year-round on the fairways of the spectacular Pueblo del Sol Country Club! Full military privileges at nearby Fort Huachuca. Single-family homes start in the low $100s. All new models and floor plans are open now! (See ad on page 71.) PET FRIENDLY

CALIFORNIA

Air Force Village West, 17050 Arnold Drive, Riverside, CA 92518, (800) 729-2999, (909) 697-2100
Air Force Village West is a unique CCRC with a country-club atmosphere that is for 55-and-older retired or honorably separated officers and their spouses and widow(er)s. Its featured single-family homes, duplexes, and apartments are located on 153 acres, with entry fees starting at $75,945. The on-site health care center offers assisted living, skilled-nursing, and special Alzheimer's care. It is adjacent to March Air Reserve Base and General Archie Old Golf Course and was established in December 1989. (See ad on page 17.) PET FRIENDLY

Chateau La Jolla Inn, 233 Prospect St., La Jolla, CA 92037, (888) 459-4451, (858) 459-5708
As La Jolla's premier residential community, we offer convenience and luxury with elegant, carefree independent living with no entrance fees or endowments. It is located a half block from the ocean in California's most prestigious community, near shopping, entertainment, and hospitals. (See ad on page 70.)

Paradise Valley Estates, 2600 Estates Drive, Fairfield, CA 94533, (800) 326-0419
Paradise Valley Estates is northern California's only CCRC for retired military officers and their spouses and widow(er)s. It is a gated residential community located on 68 acres adjacent to the Paradise Valley Golf Course and minutes from Travis AFB. Choose your entrance-fee plan. Health care includes an on-site health care center, skilled nursing, and assisted living. Full-scale amenities also are included; choose between homes and apartments. This is a nonprofit CCRC. (See ad on page 83.)

The Patrician, a Cordia Senior Residence, 4025 Pulitzer Place, San Diego, CA 92122, (866) 455-9188 (toll-free) or (858) 455-9188, fax: (858) 455-1131
The Patrician, a Cordia Senior Residence, is a beautiful, full-service retirement community nestled in the heart of University Towne Center in La Jolla, Calif. The Patrician offers 137 independent living one- and two-bedroom apartments. Only 15 miles north of downtown San Diego, this community is walking distance from restaurants, banks, medical offices, and one of the area's largest shopping centers. (See ad on page 69.) PET FRIENDLY

COLORADO

Liberty Heights, 12105 Ambassador Drive, Colorado Springs, CO 80921-3640, (800) 635-7438, (715) 481-5161, www.libertyhts.com, e-mail: marketing@libertyhts.com
Liberty Heights is a community that focuses on creating an active and gracious environment for those 55 and older. It features 161 independent living units on 26 acres, each with its own view of the Rocky Mountains, including Pikes Peak and USAFA. (See ad on page 7.)

The Villas at Sunny Acres, 2501 E. 104th Ave., Denver, CO 80233, (800) 447-2092, (303) 255-4151
This CCRC is located on 64 acres and features independent-living apartments and cottages where pets are allowed, as well as on-site assisted living and skilled nursing care. Amenities include geriatric physician's office, a 3,000-sq.-ft. fitness center, outdoor fitness trails, two fishing lakes, and a community store on site. Every unit includes 24-hour emergency call systems, housekeeping, and transportation. Activities are highlighted, and life-care and monthly rental plans are available. (See ad on page 6.) PET FRIENDLY

DELAWARE

Westminster Village, 1175 McKee Road, Dover, DE 19904, (302) 674-8030, www.wmvdover.org
Welcome to Westminster Village, the only CCRC in central Delaware, offering independent and assisted living as well as skilled nursing care. Located in the heart of historical Dover on 27 charming acres a short drive from beautiful beaches, this isn't a community designed to fit our ideal of retirement living – it's designed to fit yours. (See ad on page 67.)

DISTRICT OF COLUMBIA

Knollwood, 6200 Oregon Ave., N.W., Washington, DC 20015, (800) 541-4255, (202) 541-0149, www.armydistaff.org
Knollwood is a nonprofit CCRC for career military officers and their families located on 16 beautiful acres bordering Rock Creek Park. Knollwood offers convenient access to the cultural attractions of the nation's capital. Amenities include spacious living areas, full-service dining, an on-site clinic, library, housekeeping services, and transportation to Walter Reed Army Medical Center. Many sizes of apartments are offered. Fees start at $39K; monthly fees start at $1,025. (See ad on page 76.) PET FRIENDLY

FLORIDA

Azalea Trace, 10100 Hillview Road, Pensacola, FL 32514, (800) 828-8274, (850) 857-4948
Pensacola's premier life-care retirement community, located on 80 acres, is minutes from Pensacola NAS and adjacent to the University of West Florida. It includes first-class services and amenities, spacious apartments, an assisted-living center, and an on-site health care center. Entrance fees start at $50K. (See ad on page 4.)

Cecil Pines Adult-Living Community, 6008 Lake Cove Ave., Jacksonville, FL 32221, (888) 968-0905, (904) 771-8839
Cecil Pines is a new independent adult-living community in Jacksonville. Once home to military families, Cecil Pines offers a safe, peaceful environment for one reasonable monthly rental fee. Amenities provided with our two- and three-bedroom homes include home and yard maintenance, gated-access streets, a 24-hour emergency response system, and much more. (See ad on page 79.) PET FRIENDLY

Fleet Landing, One Fleet Landing Blvd., Atlantic Beach, FL 32233, (800) 872-8761, (904) 246-9900, ext. 107
This outstanding nonprofit CCRC near the ocean in Atlantic Beach, a coastal town located east of Jacksonville, offers cottages and apartments on a beautiful 100-acre site. Continuum of care includes an assisted-living residence, skilled-nursing center, and memory-impaired unit. It is open to former military officers, spouses, and widow(er)s age 62 and older, and entrance fees start at $103,300. Mayport NS and Mayo Clinic are nearby. (See ad on page 16.) PET FRIENDLY

Freedom Plaza, 1010 American Eagle Blvd., Box 352, Sun City Center, FL 33573-5276, (888) 467-5202, (813) 633-4467
Freedom Plaza is a luxury retirement-living CCRC with guaranteed life-care starting at about $80,000. Several health plans are available. Value Plan includes assisted living and skilled nursing at no additional cost. Health centers are located on campus for assisted living, skilled nursing, and Alzheimer's care. Amenities include golf on campus. MacDill AFB and VA hospitals are nearby. Freedom Plaza is sponsored by The Retired Officers' Corporation (which is not part of TROA). (See ad on page 91.) PET FRIENDLY

Hawthorne at Leesburg, 100 Hawthorne Blvd., Leesburg, FL 34748, (800) 525-8077, (352) 360-6220, www.hawthorneatleesburg.com
Hawthorne at Leesburg is a distinctive adult community in central Florida that is owned by its residents. It features a riverfront marina, multimillion-dollar recreation complex, professional program director, hobby rooms, fitness center, orchestra, vocal musical groups, and 24-hour security.

Indian River Colony Club, 1936 Freedom Drive, Melbourne, FL 32940, (800) 521-0521
This is an active 55+ fully maintained community with homes starting at $100,000. Home ownership is available for both retired and former members of the uniformed services, their spouses, and now their non-military friends. It is a gated community with a golf course, tennis, swimming, multi-activities building, and full country-club facilities, supporting more than 50 group activities from bridge to yoga. It is minutes from Patrick AFB, Atlantic beaches, a new VA clinic, and shopping. (See ad on page 54.) PET FRIENDLY

Lake Ashton Golf Club, 4140 Ashton Club Drive, Lake Wales, FL 33859, (866) 525-3274, www.lakeashton.com
Lake Ashton Golf Club, Florida's newest active, adult, master-planned community, is centrally located to attractions, airports, and beaches. It features a 26,000 sq. ft. clubhouse, full restaurant, theater, and bowling center, and is built on 700 beautiful acres comprising 800 single homes, condos, villas, and motor coach garage homes. It has 24-hour manned security. Models now open! (See ad on page 80.) PET FRIENDLY

The Legends at Saint Johns, 475 West Town Place, Suite 120, St. Augustine, FL 32092, (866) 940-0789, (904) 940-0789
The Legends at Saint Johns is currently under construction. It will be a new gated community of luxury condominiums at World Golf Village. Units are one to three bedrooms, some have garages, most have elevators, all have nine-foot ceilings, designer kitchens with granite countertops, and screened lanais. It features heated pool/spa, putting green, fitness center, and tennis courts. There are 10 golf courses within about 10 miles. $99,500 – $207,000. (See ad on page 94.) PET FRIENDLY

The Mayflower, 1620 Mayflower Court, Winter Park, FL 32792, (800) 228-6518, (407) 672-1620, www.themayflower.com
This accredited, nonprofit CCRC is retirement living at its finest. Nestled in a resort-like setting near beautiful Winter Park, The Mayflower has 28 beautifully designed independent villas, 240 spacious apartments, 30 assisted-living residences, and a 60-bed skilled-nursing center. Entrance fees start at $87,515. This Florida community is located near a military exchange, several local attractions, museums, golf courses, and historic Rollins College. It has been open since 1989. (See ad on page 62.)

NBA Cypress Village Retirement Community, 4600 Middleton Park Circle E., Jacksonville, FL 32224, (800) 228-6163, (904) 223-6100
Just minutes from the Atlantic Ocean, this 125-acre campus features independent apartments, equity homes, and a health care center with skilled nursing, assisted living, and Alzheimer's care. Highlights include a putting green, croquet court, covered and heated swimming pool, fitness center, library, model trains, and gardening. Resales are available, or you can choose a custom home. A two-bedroom, two-bath apartment begins at $86K. (See ad on page 65.)

Plantation Oaks, 1 Plantation Oaks Blvd., Flagler Beach, FL 32137, (800) 873-6125, (386) 439-2201, www.plantationoaks.com
Plantation Oaks is a gated adult community located 4 miles from the ocean between St. Augustine and Daytona Beach. The development offers quiet living among preserved forests where activities, security, and natural beauty enhance the experience. Coming soon … new golf course community five miles south, Plantation Oaks of Ormond Beach. Send now for a free brochure or video. PET FRIENDLY

Shell Point Retirement Community, 15101 Shell Point Blvd., Fort Myers, FL 33908, (800) 780-1131, (239) 466-1131, www.shellpoint.org
Shell Point Retirement Community is Florida's largest CCRC, with more than 1,600 residents. Enjoy a wide variety of residences, boating, golf, fine dining, church, and constant activities and events. Life-care includes assisted living and skilled nursing for life, with full-time staff of physicians, on-site pharmacy, and much more. (See ad on page 78.) PET FRIENDLY

GEORGIA

Harbor Club, One Club Drive, Greensboro, GA 30642, (800) 505-4653 (GOLF), www.harborclub.com
Since its opening, Harbor Club's course has merited national attention, being named among Golf Digest's 15 best in Georgia and Golf Week's 50 most distinctive development courses. Harbor Club has most recently been honored by Golf & Travel Magazine by being named as one of the top 40 golf course lakefront communities in the United States. (See ad on page 45.)

LOUISIANA

England Oaks Senior Living Community, 6956 England Drive, Alexandria, LA 71303, (800) 786-6257, (318) 445-0520
England Oaks Senior Living Community is a 63-acre gated community. Adjacent to a new championship golf course, this independent adult-living community offers two- and three-bedroom homes set on beautiful oak-lined streets. One monthly rental fee includes home and yard maintenance, transportation, 24-hour emergency response system, and more. (See ad on page 79.) PET FRIENDLY

MARYLAND

BayWoods of Annapolis, Bembe Beach Road, Annapolis, MD 21403, (800) 507-9985, (410) 263-7297
BayWoods of Annapolis is an elegant, full-service retirement community on the Chesapeake Bay that will open in fall 2002. It includes an indoor swimming pool, private pier, great views, elegant and casual dining, security, concierge services, fitness programs, housekeeping, and maintenance. There is also an on-site, state-of-the-art health care center. (See ad on page 69.)

Ginger Cove, 4000 River Crescent Drive, Annapolis, MD 21401, (800) 299-2683, (410) 266-7300, www.gingercove.com
Annapolis' premier life-care retirement community since 1988 is just four miles from the historic district and is located on 30 wooded acres of waterfront property bordering. It offers active living with first-class amenities and financial security. It includes 243 apartments, a central commons area, and an on-site health care center. (See ad on page 67.)

NEW YORK

Lake Country Village, P.O. Box 3066, Plattsburgh, NY 12901, (800) 789-1513, (518) 563-2346, www.selectpropertygroup.com
Lake Country Village features spacious three-bedroom, 2.5-bathroom townhouses in a park-like setting near Lake Champlain and the Adirondack Mountains. It is on the site of the former Plattsburgh AFB and is now fully renovated. All appliances are included, and each unit has a new furnace. Prices start at $64,900. Monthly fees are $146. PET FRIENDLY

NORTH CAROLINA

Anderson Creek Club, 125 Whispering Pines Drive, Spring Lake, NC 28390, (866) 465-3568 (GOLF-LOT), (910) 814-2633
Anderson Creek Club is a gated golf course community located 10 minutes from Fort Bragg in the Sandhills of North Carolina. Home sites are available from the $40s. Amenities include award-winning Davis Love III Championship Golf Course, clubhouse with fitness center, fishing ponds, and walking trails. (See ad on page 53.) PET FRIENDLY

Belle Meade Resort Retirement, 100 Waters Drive, Southern Pines, NC 28387, (800) 343-7463, (910) 246-1008, www.sjp.org
Located near Fort Bragg and Pope AFB, this secured 100-acre country-club village complements the resort lifestyle of Pinehurst/Southern Pines golfing country. Extensive health care services are available including a unique life-care plan. Attractive amenities include 45,000-sq.-ft. clubhouse. Spacious apartments, cottages, and homes are all available, and Belle Meade is sponsored by St. Joseph of the Pines Health System. (See ad on page 70.) PET FRIENDLY

Deerfield Episcopal Retirement Community, 1617 Hendersonville Road, Asheville, NC 28803, (800) 284-1531, (828) 274-1531, www.deerfieldwnc.org
Deerfield Episcopal Retirement Community is a full-service Life Care community located on 80 beautiful acres just south of Biltmore Estate. It combines Asheville's casually elegant style with new, state-of-the-art facilities. Spacious cottages and apartments, a gracious community center, and a health-and-wellness center with assisted living and skilled nursing are all available. It features a full range of amenities, including a computer lab and aquatic center. Entrance fees begin at $110K. PET FRIENDLY

Givens Estates Inc., 2360 Sweeten Creek Road, Asheville, NC 28803, (800) 618-0682, (828) 771-2203
Expanding: CCRC with variety of residences now taking reservations for 137 apartments and 59 cottages to be completed in 2005. Amenities include 215 beautiful mountain acres, indoor pool, fitness center, greenhouse, woodworking, walking trails, and many more. Entrance fees range from $33,600 – $292,500, 50 percent is refundable. It is a non-profit and is United Methodist-affiliated. It features fee-for-service assisted living and skilled nursing centers. (See ad on page 94.) PET FRIENDLY

Scotia Village, 2200 Elm Ave., Laurinburg, NC 28352, (888) 726-8428, (910) 277-2000, www.scotiavillage.com
This accredited CCRC is on 66 wooded acres adjacent to St. Andrews Presbyterian College and close to both North and South Carolina beaches. Choose between apartments, cottages, villas, or homes. There is a five-star health center on-site, which includes a memory-loss special care unit. Entrance fees range from $30,700 – $173,300; monthly fees from $1,418 – $2,178. Scotia Village opened in 1988 and is an affiliate of The Presbyterian Homes Inc. It is near Fort Bragg, Pope AFB, and Pinehurst. (See ad on page 92.) PET FRIENDLY

PENNSYLVANIA

Cumberland Crossings Retirement Community, 1 Longsdorf Way, Carlisle, PA 17013, (800) 722-0267, (717) 240-6013
Cumberland Crossings Retirement Community offers activities to fit your active lifestyle. The cottages provide the comfort and privacy of independent living in a beautiful, secure residential setting. Amenities include indoor heated pool and spa, fitness center, walking paths, tai chi, computer club, and putting green. (See ad on page 57.) PET FRIENDLY

Green Ridge Village, 210 Big Spring Road, Newville, PA 17241, (717) 776-3192, www.greenridgevillage.org
Welcome to Green Ridge Village, a CCRC located on 240 wooded acres, offering independent and assisted living and skilled nursing care. With distinctive homes nestled in a beautiful country setting, this isn't a community designed to fit our ideal of retirement living – it's designed to fit yours. (See ad on page 57.)

Willow Gables, 600 Willow Valley Square, Lancaster, PA 17602-9955, (800) 770-5445, www.willowvalleyretirement.com
Spread across 22 acres of stunning Lancaster County farmland, Willow Gables offers a distinctly residential feel among tree-lined streets, cul-de-sacs, sidewalks, and streetlights. Floor plans offer as much as 3,200 sq. ft. of living space with charming exteriors of stucco, brick, and stone. Built for those with active lifestyles, Willow Gables combines the most sought-after features with the finest in a life-care retirement program.

Willow Valley Retirement Communities, 600 Willow Valley Square, Lancaster, PA 17602-9555, (800) 770-5445, www.willowvalleyretirement.com
The three Willow Valley Retirement Communities have set the standard for excellence in retirement living. Nestled in the rolling countryside just outside of historic Lancaster, we offer an unsurpassed retirement lifestyle. The security of our life-care plan, spacious homes, elegant amenities, and freedom to pursue your interests have made us the model that other communities use as a benchmark for excellence. (See ad on page 82.)

TEXAS

Air Force Villages I and II, 5100 John D. Ryan Blvd., San Antonio, TX 78245-3502, (800) 762-1122, (210) 677-8989, www.airforcevillages.com
These villages are accredited, premier gated communities for retired officers of all uniformed services and their spouses, widow(er)s, and elderly dependents. Entrance fees range from $34,315 to $75,191. This nonprofit features tower apartments and garden home rentals, on-site outpatient clinics, home health services, assisted-living, Alzheimer's care residences, and skilled nursing. It is near Lackland AFB, Wilford Hall USAF Medical Center, Fort Sam Houston, and Brooke Army Medical Center. (See ad on page 59.) PET FRIENDLY

Army Residence Community, 7400 Crestway, San Antonio, TX 78239, (800) 725-0083, (210) 646-5316
This accredited CCRC has been open since 1987 and is for retired career military officers, spouses, and widow(er)s. Entrance fees start at $47,100, and high-rise apartments, cluster-type cottages, and an on-site health care center are featured on its 50 acres. It is located near Fort Sam Houston, Brooke Army Medical Center, and Randolph AFB. (See ad on page 81.) PET FRIENDLY

Independence Village, 20550 Huebner Road, San Antonio, TX 78258, (210) 615-4000, www.independencehill.com
Independence Village is a membership community offering homes up to 2,320 sq. ft. It has unusually large floor plans with 10-foot ceilings with crown molding, granite countertops, decorator art niches and archways, garden tubs, unbelievable storage space, monitored home alarm systems, and much more. (See ad on page 68.) PET FRIENDLY

The Island on Lake Travis, 3404 American Drive, Lago Vista, TX 78645, (800) 422-4753, (512) 267-7107
Residents at The Island on Lake Travis have endless opportunities to be active, experience new things, and make new friends – enjoy life to its fullest. Our rental retirement community is committed to providing the finest personalized services and amenities. Call and schedule a tour and see for yourself. Many other retired officers have made it their home – make it yours. (See ad on page 80.) PET FRIENDLY

Sun City Texas by Del Webb, One Texas Drive, Georgetown, TX 78628, (800) 833-5932
Sun City Texas is the premier community for active adults 55 and better. Enjoy golf, tennis, hiking, and more in the beautiful Texas Hill Country. Sample the lifestyle and stay in one of our private, fully furnished vacation getaway homes. Call today to make the dream of a lifetime last a lifetime.

The Towers on Park Lane, 1 Towers Park Lane, San Antonio, TX 78209, (800) 531-8496, www.thetowersonparklane.com
This beautiful high-rise complex promotes an independent, active lifestyle. Choose from a variety of distinct floor plans and spectacular views with amenities like recreation and social activities, transportation, restaurant-style dining, 24-hour security, an Olympic-size pool, and privileges at the adjacent Parklane West health care facility. Cooperative ownership starts at approximately $50,000. It is close to both Fort Sam Houston and the Brooke Army Medical Center. (See ad on page 63.)

VIRGINIA

Atlantic Shores, 1398 Gibraltar Court, Virginia Beach, VA 23454, (800) 821-2774, (757) 426-0000
Atlantic Shores is the premier retirement community in Virginia Beach featuring both apartment and villa homes. It is located in the heart of Virginia's Tidewater region, adjacent to Dam Neck Naval Base and just 10 minutes from Oceana NAS. Equity ownership and a flexible services and health care package are available. Purchase prices start at $115,000. (See ad on page 84.) PET FRIENDLY

Chancellor's Village Retirement Community, 12100 Chancellor's Village Lane, Fredericksburg, VA 22407, (877) 282-4684, www.chancellorsvillage.com
Located near historic Fredericksburg, Va., Chancellor's Village offers fully refundable entrance fees, spacious apartments, and a lifestyle perfect for an active retirement. You can have the beauty of our rolling countryside plus the conveniences of modern living. (See ad on page 90.) PET FRIENDLY

Falcons Landing, 20522 Falcons Landing Circle, Potomac Falls, VA 20165, (800) 952-3762, (703) 404-5151
Northern Virginia's first-class, full-service, accredited nonprofit CCRC is for retired military officers of all uniformed services and their spouses and widow(er)s who are not remarried. Patio homes, manor homes, and apartments are located on 33 acres in the master-planned Cascades community. On-site health care center, skilled nursing, and assisted living are featured, along with grand amenities. Choose your entrance-fee plan. Open since May 1996. (See ad on page 89.) PET FRIENDLY

Goodwin House, 4800 Fillmore Ave., Alexandria, VA 22311, (888) 491-2676, (703) 824-1186, www.goodwinhouse.org
Goodwin House is a not-for-profit CCRC. Apartments range from studio, one- and two-bedroom, to three-bedroom with den. Pool, Jacuzzi, fitness center, underground parking, and more make this a community for people with an independent, active lifestyle who want the security of on-site health care (assisted living and nursing care) at no additional charge. (See ad on page 56.)

Goodwin House West, 3440 South Jefferson St., Falls Church, VA 22041, (866) 778-3010, (703) 578-7201, www.goodwinhousewest.org
Goodwin House West is a not-for-profit CCRC. Apartments range from studio, one-and two-bedrooms to four- and five-room suites. Fitness center, art studio, putting green, garden boxes, and more amenities make this a community for people with an independent, active lifestyle who want the security of on-site health care (assisted living and nursing) at no additional charge. (See ad on page 56.)

K. Hovnanian's Four Season at Historic Virginia, 12632 Darby Brooke Court, Woodbridge, VA 22192, (888) 222-2402, (703) 583-3733, www.fourseasonsva.com
K. Hovnanian's Four Season at Historic Virginia is a new gated active adult community on 486 tree-lined acres. There are two- and three-bedroom single-family, single-level homes with a choice of 14 models from 1,600 to 3,000 sq. ft. Loft and basement options are available. A 21,000-sq.-ft. clubhouse features indoor/outdoor pools, cyber café, tennis courts, fitness center, and more. Easy access to Washington, D.C. PET FRIENDLY

Lake Prince Center, 100 Anna Goode Way, Suffolk, VA 23434, (877) 637-7940, (757) 923-5500, www.urch.org, e-mail: lpc@ucrh.org
Lake Prince Center is Hampton Roads' new wooded, lakeside community of spacious cottages and apartments. It features easy access to Norfolk, Virginia Beach, and Williamsburg and has 172 acres with walking trails, fitness center, putting green, workshop, excellent dining, and health care services. Refundable one-time fees begin at $65,900.

Patriots Colony at Williamsburg, 6000 Patriots Colony Drive, Williamsburg, VA 23188, (800) 716-9000, (757) 220-9000, fax: (757) 220-1681, www.patriotscolony.com
This wellness-oriented, nonprofit, full Life Care community is for retired officers, spouses, and widow(er)s of all uniformed services and federal civil service. The wooded 90-acre site has spacious villas, apartments, and freestanding houses, as well as an on-site clinic and assisted living, nursing, and Alzheimer's care. Entrance fees with various refund options begin at $84,000. It is located near Fort Eustis, Langley AFB, and the naval weapons station. (See ad on page 74.) PET FRIENDLY

Rappahannock Westminster-Canterbury, 132 Lancaster Drive, Irvington, VA 22480, (800) 792-1444, (804) 438-4000, www.rw-c.org
Located on 113 wooded acres in the heart of Virginia's Northern Neck, Rappahannock Westminster-Canterbury is just minutes from the Rappahannock River and the Chesapeake Bay. As a not-for-profit total Life Care retirement community founded in 1985 and affiliated with the Episcopal and Presbyterian Churches, Rappahannock Westminster-Canterbury offers independence and flexibility. (See ad on page 88.)

Vinson Hall Retirement Community, 6251 Old Dominion Drive, McLean, VA 22101, (703) 536-4344, www.vinsonhall.org
Residents of Vinson Hall Retirement Community enjoy the beauty of its majestic 20-acre campus together with the security of knowing that higher levels of care are available right in their own community. Arleigh Burke Pavilion provides exceptionally high-quality assisted living and nursing care. The Sylvestery, which opens in January, will provide assisted living care for people with memory impairments.

Westminster at Lake Ridge, 12191 Clipper Drive, Lake Ridge, VA 22192, (703) 643-0551, fax: (703) 643-0847
This 62-acre, wooded, life-care/fee-for-service community of cottages and apartments is located 30 minutes from Washington, D.C., and 20 minutes from Quantico and Fort Belvoir. It features a computer lab, fitness center with swimming pool, woodworking shop, game room, and assisted-living and skilled-nursing areas with on-site clinic and rehabilitation. A chapel, beauty shop, elegant dining room, library, and gift shop also are highlighted. (See ad on page 85.) PET FRIENDLY

Westminster-Canterbury on Chesapeake Bay, 3100 Shore Drive, Virginia Beach, VA 23451, (800) 349-1722, (757) 496-1785, www.wcbay.com
Westminster-Canterbury on Chesapeake Bay is a true Life Care community directly on Chesapeake Bay. An $80 million expansion and renovation project was completed in April 2002. There are 445 independent living residences and a host of appealing amenities including a fitness center with indoor pools, waterfront dining venues, and assisted living and health care on-site. Westminster-Canterbury is a not-for-profit corporation affiliated with the Episcopal Diocese of Southern Virginia and the Presbytery of Eastern Virginia of the Presbyterian Church (U.S.A.). (See ad on page 64.)

WindsorMeade of Williamsburg, 453 McLaws Circle, Suite 2, Williamsburg, VA 23185, (877) 582-6385, (757) 565-9670, e-mail: fburbage@vumh.org
WindsorMeade of Williamsburg is a 106-acre retirement community being developed by Virginia United Methodist Homes and the first major project within the 600-acre master-planned New Town area outside historic Williamsburg. It is a gated community of apartments and villas, pedestrian-friendly neighborhoods, parks, and open spaces with easy access to shopping centers. Assisted living and skilled nursing care are available on-site. (See ad on page 48.)

WASHINGTON

Panorama City, 1751 Circle Lane S.E., Lacey, WA 98503, (800) 999-9807, www.panoramacity.org
This full-service, accredited CCRC offers active retirees a beautiful, comfortable, secure, and affordable high quality of life near Fort Lewis, McChord AFB, Madigan Medical Center, Mount Rainier, and the Olympic and Cascade national parks. Choose from single-family homes, garden court duplexes, triplexes, and apartments located on 120 acres and supported by an extensive spectrum of continuing-care services. Deposits start at $35,000. (See ad on page 75.) PET FRIENDLY