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‘The Oaks’ Retirement Community at Waterman Village


The Oaks is Waterman Village’s ‘flagship’ retirement community that was founded in 1989.  270 independent living homes grace the beautiful tree-lined streets in the The Oaks neighborhood. Residents have the option of paying an entrance fee and slightly reduced all inclusive monthly service fee, or, no entrance fee, but a slightly higher all-inclusive monthly service fee.

At The Oaks, you can choose from spacious Estate duplex homes, Manor duplex homes, Custom ranch homes, or Villa quad/duplex homes. All offer convenient/close covered parking. The Oaks residents have priority access to the Bridgewater Assisted Living apartment residence and the Edgewater Health & Rehabilitation Center, located right on the same campus as The Oaks.  The Waterman Village Home Care agency and the Waterman Village Outpatient Physical, Occupational, and Speech Therapy Clinic are also ideally located right on The Oaks campus.  Three dining venues, the Chapel Fellowship church, the Brain Wellness Academy for Seniors, a fully equipped wellness center, a travel agency, and real estate office are all ideally located on The Oaks campus as well.

When people compare all things: leadership stability, history, tradition, organizational mission and ownership, close proximity to a quality hospital & other needed services and amenities as they age, town located in, refund options, campus security, home designs, food, activity programming, and friendly environment, they soon discover why choosing a Waterman Village retirement community, is their best overall choice when researching communities that offer independent living, assisted living, and health care facilities all on one site. 

Cheryl, Bonnie, and Lorena are glad to serve you. Scroll down for more information about The Oaks.

As our residents have discovered that moving to The Oaks while ‘STILL’ independent and active, is actually the best way they can increase their chances of ‘REMAINING’ independent and active, as long as possible throughout life. 

Physician offices, dental offices, a home health care agency, a travel agency, a real estate agency, and a full-service pharmacy that delivers, are all conveniently located within a short walk or golf cart drive. Everything one needs to best remain independent and active, throughout life! Scroll down below for more details on the different residence types available at The Oaks.

The Oaks Information Center is open M-F from 8-4:30, and evenings & weekends by appointment. 

Phone: (352) 385-1126


It’s located at 141 Waterman Avenue, Mount Dora, FL, 32757

Or, if you’d like to have an on-line/video/virtual appointment to learn about The Oaks, just call Lorena to set one up! We can use Facebook, FaceTime, Skype, GOOGLE Duo, ZOOM, WebEx or any other video conferencing service that you might already be familiar with


Unlike some communities, at Waterman Village, if you’re on our wait list and you develop a chronic health condition, we won’t automatically rule you out from a move to an independent living residence.



The Oaks uniquely offers entry-fee refund plans where residents can receive 75-85% back of their original entry fee paid, no matter how many years they live at The Oaks.  This avoids a feeling of ‘being trapped’, like you can never move again. Because, if an Oaks resident desires/needs to move out, and this can happen, they will still receive the bulk of their original entry fee they paid back.  Unlike some communities, where after you’ve lived there only a few years, there is a much lower percentage or no refund back of the original entry fee paid, if one desires/needs to move out.  A very important consideration to think about, before choosing a life-plan, life-care, continuing care, multi-level, or progressive living community.

Some communities require new residents to pay high entrance and monthly service fees and/or have poor refundability options, in order to provide/offer a discounted rate in the community’s on campus nursing home if ever needed.  For the vast majority of retirement community residents, this is not a wise choice. Why?

  • Waterman Village’s independent living residents typically utilize Waterman Village’s on-campus nursing center only on a short term basis.  These short term stays are often already covered by the resident’s Medicare and/or insurance plans. 
  • only 2% of the current ‘long-term’ residents in Waterman Village’s on campus nursing home, formerly lived in Waterman Village’s independent living area.
  • nursing home usage is declining across the U.S.
  • ‘in-home care’ services are helping independent living (IL) residents remain in their IL residences longer, thus further reducing the need for nursing home care.


Moving to The Oaks, which offers independent living, assisted living, and a Medicare 5 Star Rated nursing center on campus, is a wise financial choice for persons who already possess long-term care insurance.



For a $950 application/membership fee, you can place your name(s) on our In-The-Wings club wait list.    In-The-Wings club members receive some very nice perks, such as dining privileges in The Oaks 5-Star ‘Bistro’ fine dining restaurant and The Oaks Cafe, permission to attend Sunday ‘Chapel Fellowship’ worship services, use of the heated outdoor pool, and use of the wellness/fitness center (personal trainers available at no charge).  Members also receive complimentary tickets to local events, as well as invitations to special events held on the Waterman Village campus. It’s a great value, in addition to being able to secure your future peace of mind. 


The Oaks Retirement Community at Waterman Village –  Villa Homes

The one story 2BR – 2BA duplex and quadplex Villa Homes, are located on quiet, peaceful, tree-lined streets. Sizes range from 1,072 square feet to 1,370 square feet. Convenient covered parking, just steps from your front door.  No two villas are exactly alike. Not up to driving/walking to the dining room or to an activity?  No problem!  Just call and we’ll pick you up right at your front door and return you back to your front door.

Villa Home with Gold Car


The Oaks Retirement Community at Waterman Village – Custom Villa Homes

Custom Villa Home


A Custom Villa home is a ranch style ‘free-standing’ home, offering more square footage than traditional Villa homes (2,000 square foot range).  All have spacious 2 car carports.  Their beautiful – spacious interiors, are a wonderful choice for couples or individuals who are moving from larger homes, and are accustomed to larger accommodations.  There are 10 Custom Villa homes on the Waterman Village campus.


The Oaks Retirement Community at Waterman Village – Manor Homes

New Manor Home

The Manor homes with their brick and stone trim are reminiscent of a country manor home.  Five different floor plans offer two bedrooms, two baths and an attached garage for both car and golf cart.  Some have an additional den as well.  Sizes range from 1,408 square feet to just under 1, 900 square feet.  The Manors include spacious interiors with modern appliances, including a full size, side-by-side washer/dryer.  Several floor plans offer a screened lanai.  The first video below, is a walk-through of a ‘Brentwood II’ style Manor home.  The second one is a video walk-through of a ‘Glenwood’ style Manor home.


The Oaks Retirement Community at Waterman Village – Estate Homes

Our six Estate homes have 2BR-2BA, dens, enclosed two car garages, and are some of our largest and most modern designed floor plans.   Current Estate Home floor plans vary, with no two floor plans exactly alike.  Spacious bedrooms and bathrooms, nice functional design, light and open.



It is the best GIFT, one can give to their children . . . 

During our Summer travels,  we visited communities in S.C., Ga., N.C. and Northern Fl. By creating a spread sheet, we were able to compare amenities, floor plans, financial conditions and location for the many places we visited. We looked and analyzed 14 such locations, that is when we decided to come back home to Central Fl. Living in WV. meant no change of doctors, or place of worship, and best of all continuing to interact with our friends in this area. We moved to WV. in Dec. 2018; we have a beautiful home and after a few glitches which were all taken care by your wonderful maintenance group, we are now finally settled down. We are truly enjoying our lifestyle here and we have already met  some very friendly neighbors to go along with your very friendly employee staff. 

Jorge and Elise