Skip to main content

The Oaks Retirement Community at Waterman Village


You asked for it, here it is:  a progressive / multi-level of living community (health care facilities, health services, and extensive activity opportunities), that offers entrance fee refunds between 75 and 85%, NO MATTER HOW MANY YEARS YOU LIVE in your independent living residence.  One of the SE’s best values, for this type of community.


As research shows . . . . moving to The Oaks, while ‘STILL’ independent and active, is actually the best way a person can increase their chances of ‘REMAINING’ independent and active, as long as possible throughout life. 


The Oaks is Waterman Village’s ‘flagship’ retirement community that was founded in 1989.  Beautiful tree-lined streets grace  The Oaks neighborhood. Residents pay an entrance and 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.  The Waterman Village home care agency and the Waterman Village Outpatient Physical, Occupational, and Speech Therapy Clinic are ideally located right on campus.  Three dining venues, the Chapel Fellowship church, recreational/wellness center, physician offices, dental offices, banking, and a full-service pharmacy that delivers are conveniently located within a short walk or golf cart drive. Everything one may want to best remain independent and active, throughout life! Scroll down below for more details on the different residence types available at The Oaks.

Villa Home entry fees begin at $204,000, with monthly service fees beginning at $2,800 for one person. Manor Home entry fees begin at $307,125, with monthly service fees beginning at $3,350 for one person. What’s included?

Unlike most continuing-care or life-plan 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 ideally and uniquely offers entry-fee refund plans where residents can receive between 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, 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 no refund back if one desires/needs to move out.  A very important consideration to think about, before choosing a life-plan, continuing care, multi-level, or progressive living community.

The Oaks 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 or insurance plans.  Only 2% of the current ‘long-term’ residents in Waterman Village’s nursing center, formerly lived in Waterman Village’s independent living area. Nursing home usage is declining across the U.S., hospitals are being incentivized for not discharging their patients to nursing homes, and ‘in-home care’ services are helping The Oaks residents remain in their independent living residences longer, thus further reducing the need for long term assisted living or nursing home care.

Moving to a Waterman Village retirement community, is an ideal choice, for persons who already possess long-term care insurance.




Not ready to move right now?  No problem.  We have a waiting list for The Oaks Retirement Community.  For a $950 application/membership fee, you can place your name(s) on our In-The-Waterman Waiting List ClubWings club wait list.  We recommend it highly, because, when your name comes up, if you’re not ready to take the residence offered, you still retain your place on the 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

Villa Home with Gold CarThe 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.


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 approximately 2,000 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 just below it, is a video walk-through of a ‘Glenwood’ style Manor home.



The Oaks Retirement Community at Waterman Village – Estate Homes

The 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.


In 2002, I looked at a new Manor. It overlooked the Nature Preserve and was rested on the Woodbury Avenue unit below.  I liked what I saw, committed, and moved in near the end of the year.  It was a decision that I have never regretted.  For almost 17 years, I have lived in a Premier retirement community.  Among the advantages: everything on one floor, an excellent Lodge dining room, plus a casual Deli and an upscale Bistro with a top manager.  A Wellness Center, nicely equipped and a walking trail.  The landscaping is outstanding – always being maintained.  Nearby are a drug and grocery store, as well as a bank.  Well cared for sedans drive you to medical services.  I enjoy moving about in my golf cart, have a garage for it and my car and best of all, I can close the door behind me and go where I choose on the campus with a feeling of complete safety.  What else could I want!

Robert and Patricia