Charter Cay
Homes for Sale in Boca Raton, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of September 2026, the MLS records 44 closed sales in Charter Cay in Boca Raton, FL since 2001, the most recent in June 2026. Recorded prices since 2024 ran from $690,000 to $1,175,000 (median $910,000), on homes of 1,795 to 2,734 sq ft. At that median and Palm Beach County's FY2025-26 rate of 18.72 mills, annual property tax runs about $17,030 ($16,260 with the full homestead exemption).
Charter Cay's $950K median and $504/sq ft put it squarely in Boca Raton's middle-tier waterfront tier—homes here trade on direct water access and East Boca location more than on condition or finish package. The three-day median DOM signals tight supply meeting committed demand; in this price band, waterfront buyers move quickly when a property checks their boxes.
The 12.4% year-over-year climb is aggressive, even for Palm Beach County, and tells you competition is real. Sellers hold leverage in a market this fast. If you're buying, expect clean comps and little room to negotiate; if you're selling, price it right and you'll see multiple showings within the week.
The 60-Second Overview
Charter Cay is an East Boca Raton waterfront enclave where homes median at $950K and turn in three days. The pace reflects both scarcity and location appeal—this is Intracoastal-adjacent Boca, not inland sprawl.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Charter Cay is best for.
Best for
- Waterfront buyers with $950K+ budgets who value Intracoastal proximity and East Boca location over interior finishes.
- Investors or second-home buyers comfortable with fast-moving markets and limited inventory turnover.
- Downsizers exiting larger Boca properties who want water access without sacrificing walkability to amenities.
Probably not for
- Buyers who need months to decide or expect multiple negotiation rounds—this market rewards speed.
- First-time buyers stretching to the median without reserves for condition surprises or appraisal gaps.
- Anyone expecting turnkey perfection at this price point; the median reflects a wide range of finishes and deferred maintenance levels.
The market around Charter Cay
Charter Cay is too small for its own price trend, so here is the market around it.
In ZIP 33434, 318 homes are on the market and 31% are under contract — a fast-moving corner of Boca Raton.
Across Palm Beach County, 10,069 homes are active and 3,196 pending (24% under contract).
ZIP and county figures describe the wider market, not Charter Cay specifically. Momentum Research analysis of MLS records.
The Charter Cay buying strategy.
If we were buying in Charter Cay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Charter Cay.
What the numbers mean
A three-day median time-on-market is not normal—it's a signal that inventory is constrained and buyer urgency is high. In Charter Cay, that urgency comes from waterfront access in a city where buildable waterfront parcels are finite. The $504 price per square foot is mid-tier for Boca, meaning condition and lot premium vary widely; some homes need work, others are turnkey, and the median reflects that spread.
The 12.4% year-over-year gain outpaces most of Palm Beach County and reflects both broader Florida migration trends and hyper-local scarcity. Since 2012, Charter Cay has appreciated 146%—consistent with Boca's broader waterfront story but not immune to market corrections if rates or inventory shift. Closings in the current window are thin (three), so the median is a snapshot, not a deep trend line. Buyers should comp carefully and be ready to move; sellers should recognize they're working in a market where days matter more than months.
The location and the amenities are priced into every listing in Charter Cay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a three-day market, you need an agent who knows which homes are about to list, which sellers will negotiate (most won't), and which comps are real versus outliers. Momentum Realty's Northeast Florida roots don't extend to Palm Beach County—this feed serves snowbird and second-home clients shopping across coastal Florida—but our editorial approach is the same: we tell you when a community is overpriced, when a home needs more work than the photos suggest, and when to walk away. Charter Cay moves fast; we help you move deliberately.
Charter Cay in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Charter Cay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Charter Cay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Charter Cay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Charter Cay home worth?
Get a no-obligation home value based on real comparable sales in Charter Cay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Charter Cay?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Charter Cay with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Beaches MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2001 (44 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Beaches MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Beaches MLS member average and 8 days faster, and we’ll price yours against live local comps.
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