Public clubs are found in all the desert cities and include the 55+ Active Adult Communities, and they offer several floor plans. Some will have one builder only, and others will have multiple builders and architecture styles. Most will have a low HOA and will include some amenities. Public Clubs will offer the most affordable single family golf course homes. Some examples will consist of, La Quinta Fairways - La Quinta Resort, Indian Springs Country Club, and Indian Palms Country Club.
You can check the public 55+ Active Adult Country Clubs here.