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The Oaks Retirement Community at Waterman Village. Waterman Village’s flagship community since 1989.


The Oaks is Waterman Village’s ‘flagship’ retirement community that was founded in 1989. Independent living ranch, duplex, and quad-plex homes grace the beautiful tree-lined streets in the The Oaks neighborhood. It truly looks and feels like a ‘neighborhood’, with no two homes exactly alike. 

“Moving to a community like Waterman Village while STILL independent and active, really is the best plan a person can make to REMAIN that way as long as possible throughout life” *

Waterman Village is often referred to as Florida’s TOTAL retirement community, because of all the facilities and services that are available right on or adjacent to the Waterman Village campus. We offer ALL four levels of living: independent living homes and apartments, an assisted living facility, an assisted living memory support house, and a Medicare 5-Star rated skilled nursing and rehabilitation center. We also operate our own home health care agency and outpatient physical therapy clinic. Waterman Village has two retirement communities on its campus: Lakeside(new) and The Oaks(established in 1989).

We have access to Senior Move Managers from across the U.S., who can help make your downsizing and moving process to Waterman Village a smooth one

We are one of the few remaining local, community based, on-site managed and operated, not-for-profit, mission driven retirement living community organizations in the state of Florida, and the only one in the Lake, Sumter, Marion County areas, that offers independent living, an assisted living residence, a memory support residence, and a skilled nursing center all on one campus.  At Waterman Village, our Board of Directors and administration have always been guided by the virtues of faith, hope, and love since we were first developed by Waterman Hospital in the 1980’s. It’s mission over margin.

“With all the activity opportunities and service-related businesses located right in Mount Dora, residents have a greater chance of maintaining optimal health and personal independence longer, in comparison to living in a rural location or area” *

At The Oaks, all 260 independent living residences are one story ranch, duplex, or quad-plex homes with either an enclosed garage or covered carport. You just pull right up to your front door. Each residence has at least two bedroom and two baths.  Floor plans and styles are below. It’s a beautiful established, tree-lined campus that will remind you of the Midwest or New England states.

“Moving to a life-plan or continuing care retirement community (CCRC) that requires an entry fee, that is non-refundable after just a few years of residency, results in a loss of considerable sums of money for most all who do it . . . about 90% or more” *

At The Oaks, some residences require an entry/life-lease fee and some offer the option of doing a life-lease entry fee OR a monthly rental fee WITHOUT an entry/life-lease fee.  If an Oaks resident does pay an entry/life-lease fee, they are eligible to receive 85% back of their original entry/life-lease fee that they paid back, no matter how many years they live in their Oaks independent living residence .  This is unique in Florida for a community that offers all four levels of living on one campus. Not only does this help most residents save money, just as importantly, it helps them avoid a feeling of ‘being trapped’. Because, if they move to Waterman Village and desire/need to move out, and this does happen, they will still receive the bulk of their original entry/life-lease fee that they paid, back.  Unlike some other progressive living communities where after you live there only a few years, there is a much lower percentage of refund back, or, there is no refund back at all if one desires to move out or passes away. This is a very important factor to consider before you choose a retirement community for yourself or loved one.

Mount Dora was ranked as the #1 small town in Florida, and #4 in the nation, to retire to by USA TODAY

Some retirement communities require large entry fees that are mostly or completely non-refundable after just a few years of residency, by offering a discounted rate in the community’s on-campus nursing home if it’s ever needed.  For the vast majority of people, statistics show this is not a wise financial decision.  Why? 

  • Nearly all of Waterman Village’s independent living residents who require services in Waterman Village’s on-site nursing center, require it only on a ‘short-term’ basis.  And, these short term stays are often already covered by their Medicare and/or insurance plans. 
  • There are only 3 residents in Waterman Village’s nursing center’s ‘long-term’ area, who formerly lived in Waterman Village’s independent living area. 
  • The available services of Waterman Village’s on-site home health care agency to our independent living residents, has greatly reduced the need for long-term nursing home care in Waterman Village’s nursing home.

Compare. Waterman Village’s nursing home, The Edgewater, is a MEDICARE.GOV  5 STAR rated facility

We frequently hear from residents who have moved to a retirement community who are very saddened and distraught. They desire for familial or other personal reasons, to move out of the retirement community that they are living in.  But, if they did so, they know they would lose all or the majority of the initial entry fee money that they paid when they moved there. Moving to Waterman Village can help avoid this very real/potentially stressful scenario in the future.


There is always a lot going on at The Oaks Retirement Community at Waterman Village in Mount Dora. Scroll down for a few pictures showing our residents staying mentally, physically, socially, and spiritually fit.  

We have FIVE FULL TIME STAFF members, just in the independent living activity and wellness department.  Compare that level of independent living retirement community activity staffing, with any continuing care, life plan, or other retirement community in the Central or Orlando Florida areas.  Hard to top.

To see this month’s activity calendar for independent living, CLICK HERE

“Waterman Village employs the most independent living activity staff of any community I’ve been associated with, which leads to a very robust activity calendar. Compare”  *

Senior Exercising


Amenities and Services

  • Art studio
  • Six dining venues to choose from
  • Lawn bowling courts
  • Podiatry services
  • Nature trail
  • Outdoor pool and spa
  • Fitness center with trainers (included MSF)
  • Woodworking shop
  • Full-service real estate agency on-site
  • Outpatient therapy clinic (PT, OT, Speech)
  • Walking/golf cart access to two full service dental offices
  • Walking/golf cart access to two physician clinics
  • Pain management physician on campus
  • Shuffleboard courts
  • Library
  • Brain Wellness Academy for Seniors
  • Chapel (Chapel Fellowship Congregation)
  • Gift shop
  • Card room
  • Resident business center
  • Support groups
  • Complimentary on campus transportation
  • Complimentary local transportation
  • Complimentary medical appointment transportation
  • Golf Membership (included in MSF)
  • The Edgewater health & rehab, center
  • The Bridgewater assisted living facility
  • Springwater memory support house (coming soon)
  • Licensed and accredited home health care agency
  • 24/7 security/staffed gate house

Waterman Village has not asked a resident to leave, if they’ve become unable to pay their monthly service fee due to no fault of their own.  It’s our home for life intention

Resident Comments


“We researched & visited several retirement communities.  We moved from Summerfield to ‘The Oaks’ Retirement Community at Waterman Village in Mount Dora.  We wanted a community that offered all three levels of living: independent, assisted, and a Medicare 5-Star rated nursing and rehabilitation center. We wanted a community that refunded back the majority of the entry fee, regardless of how many years we lived there.  We wanted a location with a small town feel, yet one that was still close to everything we needed as we aged.  We wanted to live close to a top rated hospital and closer to MCO airport.  And, we wanted a community that was part of an organization with stable leadership and had a strong history and track record. Waterman Village met our criteria”.

 – Jack and Carol (moved from Summerfied)



Jack and Valerie EnardWe did much online research and physical looking at retirement communities. We had lived in Orlando for 21 years and enjoyed spending time in Mount Dora. We both had lived in small towns in Pennsylvania, and we came to love the atmosphere of Mount Dora.  We wanted to make a move while we’re still young and able to live independently.  The activities here are many and suit us well. We have no children or family so we feel very comfortable knowing progressive care is available should one of us need it.  The community is top notch in all departments. After living here for two years, the residents are like family.”

– Jack & Valerie (moved from Orlando)


“We recently moved into Waterman Village after a 2-year wait, and it has already been well worth the wait! We searched for over a year; and after visiting many places, we decided on Waterman as our future permanent home. What brought us here is the friendliness of the staff, the tree-lined neighborhood atmosphere, the professionally-run community, the many amenities, and the fact that we can get part of the entrance fee back. So happy we chose Waterman! Thank you Lord and thank you Waterman Village”.

– Richard and Jean (moved from Palm Coast)


Ron and Susan Jerlas

“We were living in a 55+ community just outside Leesburg. The more we talked about it, the more we liked the idea of a simpler life, a maintenance-free home, having care nearby if needed, the ability to travel with greater ease, and peace of mind for our children. And so our search began, and we prayed for guidance.“The more we looked, the more Waterman felt like home to us. Parking was important, as was the house – both seemed to suit our needs. And of course,Mount Dora was a draw as well. Our children are scattered across the country. They were surprised, supportive and delighted for us when they learned of our decision to make ‘the big move.’“We’re going into our third month, loving our home, our front porch, and our neighbors. Our grateful prayer goes on…Bless you, Waterman Village…Thank you, God!

– Ron and Susan (moved from Leesburg)

“Choosing a retirement or senior living community that has a gatehouse, that’s staffed 24/7, should be a person’s first criteria when searching for a retirement community” *

Culinary Services

The Oaks Lodge Café

Located in the Lodge, the Waterman Village Café offers breakfast, homemade soups, sandwiches, entrees, salads, daily specials and weekly cookouts. Residents can purchase a loaf of bread, juice, milk, etc.  There’s also a quick ‘grab and go’ section. You can either dine in or take out.

The Oaks Lodge Dining Room

The Lodge Dining Room. Open for lunch and dinner. Try one of our two home made soups, made fresh daily! You can select from a wide variety of entrees and side items each day. There is a fresh fruit and salad bar with a nice selection of fruits, vegetables, and salads. And, make sure to save room for our ‘world renowned’ 14 foot dessert area, with most of the desserts being made in-house, by our wonderful baker Lori, who has been a Waterman staff member for close to 15 years.


The Oaks Lodge ‘Bistro’

The intimate Five-Star Bistro is open Tuesday through Saturday for dinner, and Wednesday through Friday for lunch. The Bistro offers an elegant ambiance, with selections for a more sophisticated palette. Enjoy some twin lobster tails, grilled salmon, filet of premium beef. ‘In-the-Wings’ club members (those on our waiting list), are entitled to eat in the Bistro by advanced reservation. At one time, it was considered one of the top restaurants in Mount Dora, when it was open to the public.

Prefer not to drive or walk to one of the dining venues? Just call us and we’ll pick you up at your front door and return you back to your front door.  Meal delivery service is also available for a nominal charge, and meal pick ups are also available.

 Dining hostess at Waterman VillageJack and Valerie Enard

Waterman Village residents automatically receive a golf, swimming, and pickle ball membership at the Country Club of Mount Dora just a mile away

Click Here to read the Waterman Village ‘Living Your Best Life’ magazine

Click Here to read a testimony from some of our newest residents who have moved to Waterman Village

Click here see the current activity calendar

Click Here for a local online medical directory within 10 miles of Waterman Village/Mount Dora

Click Here to find out what our ‘Residents Say’ about life at Waterman Village.

Click Here to learn why moving to Waterman Village why STILL independent and active, is the best way to remain that way as long as possible throughout life.

Click Here to read about why Mount Dora, FL, is one of America’s ‘Best Small Towns’.

Click Here to view our independent living community comparison checklist.

Click Here to learn about Waterman Village’s ‘Not-for-Profit difference’.

Click Here for pricing overview.

Floor Plans

Download Villa Floor Plans

(For some interior images of a Sabal with a Lanai floor plan: CLICK HERE)

Download Manor Floor Plans

Video of a Captiva style Villa

Video of a Sabal style Villa with a lanai (or den)

Video of a Key West style Villa

Video of a Sanibel style Villa with a den

Video of a Glenwood style Manor Home

  • PLEASE NOTE – Some of the Manor Videos need updating.  All new Manor Home residents receive dining dollars as part of their monthly service fee.

Video of a Brentwood II style Manor Home

Video of a Wedgewood style Manor Home 

We can help you easily locate new health care providers if needed. You can walk or golf cart to two primary care doctors, two dental offices, and a pain management Doctor. There are other specialists with a mile or two and the Advent Health hospital is just a few minutes away


Wait list times vary depending on the residence type desired.  Therefore, we encourage people to plan ahead and place their name on our In-The-Wings-Club wait list, even if they are not ready to move right now. The Independent Living Information Center is open M-F from 8-4:30, and evenings & weekends by appointment.  It’s located at 150 Waterman Avenue, Mount Dora, FL, 32757

To request more information about The Oaks, we can email you an e-brochure link or mail you an information folder as well.

You can phone Cheryl (pictured at right) at: (352) 385-1120, or email    Cheryl has been with Waterman Village for over 10 years and is always loved by those inquiring about Waterman Village.

Or, you can fill out our information request formWe can also set up a live online video call with you (and your family/parents) via SKYPE.  It’s very easy and there’s nothing to download.


comments by Jeff Baset. Jeff has worked in the aging services/senior/retirement living field for close to 40 years, in continuing-care, life-plan, independent, assisted, and memory care facilities. He’s worked as Executive Director and Administrator. He’s been a Gerontologist since 1988 and was a State Licensed Nursing Home Administrator for 25 years.




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