Alright, I'll bite.
Are these "towns" incorporated? Do they have a governing body?
For someone who is so quick to paint someone has being deceitful (and then not having the intestinal fortitutde for admitting your statement was wrong) you obviously trying to make retirement communities into "towns". Just becuase it is a gathering of buildings owned by a private land developer doesn't make it a town. Doesn't that mean all of Residential Projects in a Urban area are seperate towns? Why not if they are owned by a private person and are a community(town) as you put it.
they usually always have HOAs, which can enact "covenants" which are ordinances specific to living in that association, an HOA is actually a corporation formed by the developer, by joining the corporation you become a shareholder, and agree to follow the covenants, you can also run for corporate officer positions, vote on corporate officers, etc etc etc usually the deed to your property requires you to join the corporation.... most neighborhoods these days have HOAs, but few are anything like oceanreaf.
however they are not a unit of government, since they're formed entirely by private contract, although they're still subject to state and local law.
also WW is incorrect about the nature of these communities, they do not have "their own law enforcement" some may have private security guards, but they're still just private guards with no authority over a private citizien, no authority to carry concealed firearms off duty, no authority to make warrantless arrests for misdemeanors, no authority to issue court summons, or anything else a cop can do.
only one state I'm aware of grants private guards LE authority. the other 49 states LE powers may be granted to private guards, but it rare, limited, and highly regulated. for instance railroad police.
these "exclusive private communities" are also generally very expensive and beyond the budget of the average american.