If a lake is within a private community and within the size requirements by the state, you don't need a license. Since most people are not keeping the fish, it is highly unlikely that F&WC would even bother you. People would need to be crazy to eat a fish out of a lake from a resort or community. Too many pesticide runoff into the water. Unless specifically stated on the resort or community, I would not worry about it much. Fish until you are told not to.