The most expensive retirement communities in the US can cost millions

One has an estate listed for $19.9 million

Retirement can get expensive, but there are some communities that take it to the next level.

According to a report from life insurance company Genworth Financial, the annual median price to live in a retirement home in the U.S. is $92,860 for a semi-private room and $105,266 for a private room.

Of course, those costs include monthly care, room and board, food and ancillary expenses and other fees -- and those costs also vary depending on where you live.

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For retirees who are more active and want to live in their own home or condo within a retirement community, the costs get much higher -- especially for those who want to live in luxurious communities.

401(k)Specialist published a report last summer that found 10 of the most expensive retirement communities in the U.S.

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Using that list, FOX Business found current listings within each of those communities.

Here are the five retirement communities with the most expensive current listings as of Friday night:

Ocean Reef Club

Location: Key Largo, Fla.

Least expensive current listing: $325,000 for a "Dockominium"

Most expensive current listing: $19.9 million for a six-bedroom estate, still under construction

Community amenities: Some of the amenities in the Ocean Reef Club include two golf courses, a marina, a private airport, a spa, a fitness center and a “tennis and games center.”

Promontory Club

Location: Park City, Utah

Least expensive current listing: $1.4 million for a three-bedroom “Trapper Cabin”

Most expensive current listing: $11.5 million for a six-bedroom house on five acres

Community amenities: According to the Promontory website, the community’s numerous amenities include a beach house --  that is “part pool, part lake” -- two golf courses, a spa, a fitness studio, a “Kids’ Cabin” and an equestrian center.

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Sailfish Point

Location: Stuart, Fla. -- specifically on Hutchinson Island

Least expensive current listing: $745,000 for a two-bedroom condo

Most expensive current listing: $6.4 million for a five-bedroom oceanfront villa

Community amenities: Residents of Sailfish Point have access to the community clubhouse, a private marina and yacht club, tennis courts and a Jack Nicklaus-designed golf course.

Isleworth

Location: Windermere, Fla.

Least expensive current listing: $1.4 million for a five-bedroom estate

Most expensive current listing: $7.4 million for an eight-bedroom estate on 1.03 acres

Community amenities: According to the Isleworth website, the community’s amenities are “centered around the 89,000-square-foot Mediterranean-style clubhouse.” Those amenities include a tennis center, a fitness center and spa, fishing, pools and youth programs.

Mediterra

Location: Naples, Fla.

Least expensive current listing: $1.6 million for a three-bedroom home with a pool and spa

Most expensive current listing: $3.5 million for a four-bedroom home, also with a pool and spa

Community amenities: Perks available to Mediterra’s residents include a clubhouse, a private beach club, a sports club, two golf courses and tennis facilities.

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