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Independent LivingSenior Apartments✓ Verified
Cross City, Dixie County
Last verified: Sunday, October 25, 2026
The Timbers Apartments (Cross City USDA Section 515 Senior & Family Housing — Royal American Management, With Fanning Springs Border Villas)
About This Organization

Dixie County's primary in-county federally subsidized USDA Rural Development Section 515 / Section 521 Rental Assistance and Florida Housing Finance Corporation (FHFC) low-income apartment community serving independent seniors (62+), persons with disabilities, and low-income households at 231 NE 97th Street, Cross City, FL 32628 ((352) 498-3175, TTY 711). Owned by Cross City Apartments, Ltd. (Florida Sunbiz Document #A11951, active limited partnership since 1985) and professionally managed by Royal American Management, Inc. (Florida Sunbiz Document #763355), The Timbers Apartments features 32 single-story, step-free 1-, 2-, and 3-bedroom apartments on 4.46 wooded acres just off US Highway 19/98 in the county seat, with income-based USDA Section 521 Rental Assistance (tenants pay 30% of adjusted gross monthly income), Section 8 Housing Choice Voucher acceptance, central heating/air, on-site laundry facilities, handicap-accessible units, and direct pickup by SREC Dixie County Senior Transit ((352) 498-5018 Ext. 3). Regulatory Supply & Border Overflow Note: Because Florida Office of Insurance Regulation (OIR) records confirm zero (0) Chapter 651 CCRCs and HUD records confirm zero (0) Section 202 elderly complexes inside Dixie County—making The Timbers Apartments (32 units) the sole private USDA Section 515 apartment community inside county lines—waitlisted Old Town (32680) and Cross City (32628) seniors also apply at the two immediate Suwannee River bridge USDA Section 515 complexes 2 miles east of Old Town in Fanning Springs: Gardenia Street Villas (17420 NW 90th Ct, Fanning Springs, FL 32693, (352) 463-1999, 27 ground-level units, Boyd Management) and Suwannee River Villas (8431 NW 170th St, Fanning Springs, FL 32693, (352) 463-6642, 25 ground-level units, Flynn Management #759029).

Official Verification Sources: Royal American Management, Inc. — Property Management Portfolio (The Timbers Apartments, Cross City); Florida Sunbiz Entity — Cross City Apartments, Ltd. (Doc# A11951) & Royal American Management (#763355); USDA Rural Development Multifamily Housing — Florida Section 515 Property Directory

Verified State & Regulatory Credentials
USDA Rural Development Section 515 / 521 Multifamily Housing & FHFC Subsidized Property: The Timbers Apartments (32 Units — 231 NE 97th St, Cross City, FL 32628) | Owner: Cross City Apartments, Ltd. (Sunbiz #A11951) | Manager: Royal American Management, Inc. (Sunbiz #763355)Status: Active — Sole Private USDA Section 515 Apartment Complex Inside Dixie County

Issuer: USDA Rural Development, Florida Housing Finance Corporation (FHFC) & Florida Dept. of State

Notes: Verified 2026-10-26: The Timbers Apartments (Cross City Apartments, Ltd., Sunbiz Doc# A11951; Royal American Management, Inc., Sunbiz Doc# 763355) operates 32 USDA Section 515/521 subsidized apartments at 231 NE 97th St, Cross City, FL 32628 ((352) 498-3175).

Services Offered
32-Unit In-County USDA Rural Development Section 515 & Section 521 Rental Assistance Community (231 NE 97th St, Cross City)
Income-Based Rent Capped at 30% of Adjusted Monthly Senior Income & HUD Section 8 Voucher Acceptance
Single-Story Step-Free Apartment Layout, Handicap-Accessible Units, On-Site Laundry & Maintenance
Professionally Managed by Royal American Management, Inc. (Sunbiz #763355; Owner: Cross City Apartments, Ltd. #A11951)
Direct Door-to-Door Pickup by SREC Dixie County Senior Transit for Cross City Meal Site & Medical Appointments
Immediate Suwannee River Border Overflow: Gardenia Street Villas (27 Units, (352) 463-1999) & Suwannee River Villas (25 Units, (352) 463-6642) in Fanning Springs
Frequently Asked Questions

Factual details and direct answers about The Timbers Apartments (Cross City USDA Section 515 Senior & Family Housing — Royal American Management, With Fanning Springs Border Villas)'s services, licensing, and credentials.

Are there any Continuing Care Retirement Communities (CCRCs) or HUD Section 202 senior apartment buildings in Dixie County?

No. Official registries from the Florida Office of Insurance Regulation (OIR Chapter 651) and the U.S. Department of Housing and Urban Development (HUD) confirm zero (0) licensed CCRCs and zero (0) HUD Section 202 Supportive Housing for the Elderly buildings in Cross City (32628), Old Town (32680), Horseshoe Beach (32648), or Suwannee (32692). Within Dixie County, The Timbers Apartments at 231 NE 97th Street, Cross City ((352) 498-3175, 32 USDA Section 515/521 units) and NWFRHA's Cross City public housing units at 256 NE 147th Street ((850) 263-4442) are the sole subsidized rental apartment communities.

Where are the closest additional USDA Section 515 senior-friendly apartments if The Timbers Apartments in Cross City has a waitlist?

Seniors in Old Town and Cross City can apply just 2 miles east of Old Town across the Suwannee River bridge in Fanning Springs (32693) at Gardenia Street Villas (17420 NW 90th Ct, (352) 463-1999, 27 units) and Suwannee River Villas (8431 NW 170th St, (352) 463-6642, 25 units), or 11 miles south on US-19 in Chiefland at Sunset Villas Apartments (907 NW 14th Ave, (352) 493-4313, 24 age-62+/disabled USDA Section 515 units).

Contact Information
Address
231 NE 97th St, Cross City, FL 32628
Hours
Mon-Fri 8:00am-5:00pm (Equal Housing Opportunity & Handicap Accessible Leasing Office)
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.