55+ communities in Boca Raton: costs, fees and amenities compared

At a glance

55+ communities in and around Boca Raton: the directory

This directory covers communities with a Boca Raton address plus the nearest 55+ options in Delray Beach and Boynton Beach, where most new age-restricted building in south Palm Beach County is happening. Prices are builder list prices where published; resale prices vary by unit.

Sources disagree on some Century Village figures, including the total number of units and the clubhouse size, so ask the umbrella association for current numbers before you rely on them. Amenities at the three Boca Raton communities:

• Century Village: main clubhouse with a theater, 18 pools, fitness center, tennis and pickleball, staffed security around the clock.
• Whisper Walk: a clubhouse and pool in each section, a sports center with eight tennis courts, guardhouses at two entrances.
• Fairways of Boca Lago: two pools, a clubhouse and access to Boca Lago Country Club.

Each 55+ community in more detail

Century Village at Boca Raton

Century Village is the largest of the Boca Raton communities, with a 33434 address. Its condos are in three- and four-story buildings around lakes and ponds. Because many of these buildings are three stories or more, Florida's milestone inspection and structural integrity reserve study rules can apply to them. Ask each building's association for its inspection summary and reserve study, as explained on our Boca Raton condo guide. One local brokerage summary lists no pets, so confirm pet, vehicle and rental rules in the declaration of your specific association.

Whisper Walk

Whisper Walk is an unincorporated area northwest of Boca Raton in Palm Beach County. The association describes it as a private, 55+, gated community of 1,446 homes in five sections, built from 1982 to 1992, with nine lakes. Each section has its own clubhouse, pool and resident website, so rules and fees can differ from one section to the next.

Fairways of Boca Lago

The Fairways is the 55+ condominium within Boca Lago, a community of eight sub-associations covering more than 250 acres, with over 50 acres of lakes. Boca Lago Country Club, at 8665 Juego Way, Boca Raton 33433, is a private club with optional membership, so ask whether any club fee comes with the unit you are considering.

Kings Point

Kings Point is an unincorporated place west of Delray Beach that Wikipedia describes as consisting primarily of a retirement community of the same name, with a population of 12,207 at the 2000 census. It is outside Boca Raton, but close enough that many buyers compare it. Ask the specific condo association for its housing-for-older-persons policy, since age rules sit at the association level.

Valencia Del Mar (GL Homes, Boynton Beach)

GL Homes lists Valencia Del Mar as a 55+ community in Boynton Beach priced from $1.2M to $2.5M, with 11 decorated model homes and one- and two-story designs. Its clubhouse and racquet club were still under construction when we checked, so ask for the completion schedule.

Valencia Grand (GL Homes, Boynton Beach)

GL Homes lists Valencia Grand (55+) in Boynton Beach from $1.3M. Ask which homesites and plans remain and whether any are quick move-in homes.

Older GL Valencia communities

A roundup of GL's Valencia communities lists sold-out 55+ neighborhoods in the Boynton Beach and Delray Beach area, including Valencia Bay, Cove, Isles, Lakes, Pointe and Reserve in Boynton Beach and Valencia Falls and Palms in Delray Beach. Buying there means a resale, so compare recent closed sales with the new Valencia list prices.

Legal 55+ rules: the 80% test and HOPA

The 80% occupancy rule

A 55+ community is housing for older persons under the federal Fair Housing Act. To qualify, at least 80% of its occupied units must have at least one resident aged 55 or older. This exemption comes from the Housing for Older Persons Act, often called HOPA.

Published policies and age verification

The community must also publish and follow policies showing that intent, and it must verify residents' ages with surveys or affidavits updated at least once every two years.

No Florida registry since 2020

Florida used to keep a registry. Since July 1, 2020, 55+ communities no longer register with the Florida Commission on Human Relations, so there is no state list to check. Ask the association for its published 55+ policy and the date of its latest age verification survey. A listing that says "55+" is not proof.

Country clubs are not automatically 55+

A country club community is not automatically 55+ either. Boca Raton has several large club communities, such as Boca West and Broken Sound. Unless a community publishes a housing-for-older-persons policy, buyers of any age can live there.

Costs: fees, taxes and insurance

Association and club fees

None of the three associations publishes its fees on its public site. The only figure found is from a local brokerage page, which puts Century Village dues at roughly $450 to $550 a month. Treat that as a rough guide, because dues vary by association and building.

For any 55+ home, ask for:

• the current budget and monthly fee for the unit's association, plus any umbrella or master association fee
• any approved or proposed special assessments, especially in condo buildings with reserve study findings
• club dues and whether membership is required or optional
• the approval process and timing for new owners
• the parcel's tax bill, to check for non-ad valorem assessments

Property tax and homestead

If the home will be your permanent residence on January 1, file for homestead with the Palm Beach County Property Appraiser by March 1. The first $25,000 exemption applies to all taxes, and an additional exemption applies to non-school taxes once assessed value passes $50,000. A sale resets the assessed value, so budget from the new value.

Price is only part of the cost. Add the fee, insurance and Palm Beach County property tax to compare homes on a monthly basis. If you are moving from a larger home, our Florida downsizing guide covers the sale side.

How 55+ prices compare with the rest of Boca Raton

Zillow's typical home value for Boca Raton was $576,824 in August 2026, up 3.7% on the year. ZIP 33434 was the lowest of the city's nine ZIP codes at $254,999, up 5.7%, which reflects its mix of older condos. Zillow's figures cover all home types, so for a specific community, ask a local agent for recent closed sales there. New 55+ homes cost far more: GL Homes lists Valencia Del Mar at $1.2M to $2.5M and Valencia Grand from $1.3M, against Zillow's typical Boca Raton value of $576,824. See the Boca Raton housing market page for the wider trend.

How to choose a 55+ community

Condo or house

The Boca Raton communities are mostly condos and villas with lower prices but shared buildings, reserve studies and special assessments. The newer GL communities are detached houses at far higher prices with newer construction.

Club life and amenities

Compare what the fee includes: clubhouses, pools, courts, activities staff and dining. Ask whether any club membership is optional or required.

Rules you will live with

Read the declaration for pets, rentals, guest stays and vehicles. These differ between associations, even inside one community.

Getting around and healthcare

Check the drive to the doctors and hospital you will use. Boca Raton Regional Hospital, run by Baptist Health, is in the city, and Palm Tran runs local bus routes if you stop driving.

Retirement communities in Boca Raton beyond 55+ (CCRCs and independent living)

A 55+ community sells or rents ordinary homes with an age-qualifying rule. A continuing care retirement community (CCRC), also called a life plan community, is different: you pay an entrance fee and monthly fees under a contract that includes housing and access to higher levels of care on the same campus. In Florida, CCRCs are regulated under Chapter 651 of the Florida Statutes by the Office of Insurance Regulation (FLOIR), which certifies each provider.

CCRCs in Boca Raton

FLOIR's October 2025 map of certificated providers lists three in Boca Raton:

• Edgewater at Boca Pointe (ACTS Retirement-Life Communities), 22315 Blue Water Circle
• St. Andrews Estates (ACTS Retirement-Life Communities), 6045 S. Verde Trail
• Toby & Leon Cooperman Sinai Residence of Boca Raton (Federation CCRC Operations Corp.)

Nearby providers on the same list include Abbey Delray South and Harbour's Edge in Delray Beach. Being on FLOIR's list means the provider holds a certificate under Chapter 651; it says nothing about prices or quality, so compare each one on its contract and finances.

How a CCRC differs from a deed-restricted 55+ neighborhood

In a 55+ community such as Century Village or Kings Point you buy a home, own it and pay association fees, and any care you need later is arranged and paid separately. In a CCRC you usually do not buy real estate; you buy a contract for a residence and services, and the contract sets what care is included. Independent-living rentals sit between the two: a monthly rent for an apartment with services, no large entrance fee and care billed separately.

How entrance fees and monthly fees work

Life plan communities describe three main contract types. A Type A (life care) contract has the highest entrance and monthly fees and covers most future care with little change in cost. Type B (modified) has moderate fees and includes some care, with discounts on the rest. Type C (fee-for-service) has the lowest fees, and higher levels of care are billed at market rates when used. Some communities also offer rentals with no entrance fee. Ask each Boca Raton community which types it offers, whether any part of the entrance fee is refundable, and how often monthly fees have risen.

Your rights under Florida law

Chapter 651 gives residents specific protections:

• 7-day rescission. You can cancel a continuing care contract within 7 days of signing and get a full refund, and you cannot be required to move in before that period ends (section 651.055).
• Escrow. Entrance-fee payments are held in escrow or the check is held for those 7 days before the provider can use the money (section 651.033).
• Cancelling before you move in. The entrance fee is refunded less a processing fee of up to 5%, paid within 60 days of your notice (section 651.055).
• Death or incapacity before move-in. The contract is cancelled automatically with a full refund, apart from costs you asked the provider to incur in a signed addendum.

What to check in the contract

The contract must tell you, in bold type, that you can inspect the provider's latest financial statement and inspection report before signing, and you must receive a copy of the contract before you pay. Read those documents, ask what happens to the entrance fee if you leave or die after moving in, and confirm what care is included and where it is provided. Florida's own wording suggests consulting an attorney or financial advisor, which is sensible for a commitment of this size.

Common questions

Sources

• Century Village Boca Raton: About Century Village
• Century Village Real Estate: Century Village Boca Raton
• Real-ativity: Century Village Boca Raton
• Whisper Walk Inc.: Community home page
• Wikipedia: Whisper Walk, Florida
• The Fairways of Boca Lago: Community home page
• Boca Lago Property Owners Association
• Boca Lago Country Club
• 24 CFR 100.305: 80 percent occupancy
• 24 CFR 100.307: Verification of occupancy
• Berger Singerman: State registration and reporting requirements for 55+ communities eliminated
• Florida Statutes: Section 553.899, mandatory structural inspections
• Florida Statutes: Section 718.112, bylaws (structural integrity reserve study)
• Wikipedia: Boca Raton, Florida
• Zillow Research: Home Value Index, August 2026
• Palm Beach County Property Appraiser: Homestead exemption
• GL Homes: New homes in Boca Raton and Palm Beach County (community list)
• GL Homes: Valencia Del Mar
• Florida for Boomers: list of GL Homes Valencia 55+ communities
• Wikipedia: Kings Point, Florida
• Baptist Health: Boca Raton Regional Hospital
• Palm Tran
• Florida Office of Insurance Regulation: CCRC provider map (October 2025)
• Florida Office of Insurance Regulation: Continuing care retirement communities
• Florida Statutes: section 651.055, continuing care contracts and right to rescind
• Florida Statutes: section 651.033, escrow of entrance fees
• StoneRidge: CCRC contract types explained (October 2025)