Charter Cay
Homes for Sale in Boca Raton, FL

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.

BeachesMLS sales records identify 33 homes in Charter Cay that have changed hands since 2001, built between 1986 and 1987 (median 1987), with a median living area of about 2,229 sq ft and a typical 3-bedroom, 2-bath layout; 91% are condominiums. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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.

Charter Cay is too small for its own price trend, so here is the market around it.

In ZIP 33434, 307 homes are on the market and 35% are under contract — a fast-moving corner of Boca Raton.

Across Palm Beach County, 10,140 homes are active and 3,201 pending (24% under contract).

In ZIP 33434 (Boca Raton), 609 homes closed in the last 12 months at a median of $335K ($261/sq ft), up 1.1% year over year, with a median 48 days on market. Right now 119 active and 72 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 33434 housing market and the Palm Beach County market.

ZIP and county figures describe the wider market, not Charter Cay specifically. Momentum Research analysis of MLS records.

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.

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.

Listings in this community report association dues of about $1,493 per month ($17,916 a year) — the median AssociationFee across 10 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.