Floral Lakes in Delray Beach

Floral Lakes

Established 1988 · Intracoastal West · ZIP 32224

A gated 55-plus villa community in Delray Beach, late-1990s Mediterranean homes with a low all-in HOA.

55-plus active adultAttached villasLow all-in HOA
Live Market Pulse
58/100
Momentum
Balanced Market
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Unlock Off-Market Floral Lakes

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseBeachesMLS
$368K
Median Price
3.8mo
Supply
119days
Avg DOM
Balanced
Seller Leverage
$253/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Floral Lakes is a gated, manned 55-plus villa community in Delray Beach, late-1990s Mediterranean homes valued for an unusually low all-in HOA that bundles cable, internet, lawn, and even exterior painting. The villas are uniform single-level attached homes with garages and many waterfront views, so the spread is narrow and condition and lot drive value. Because the homes are newer than the area's 1970s stock, near-term structural risk is lower, but it is still a condo-style association, so confirm the HOA, the reserves, and the strict 55-plus rules. The low, inclusive fee is the standout, value-friendly feature."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Floral Lakes market snapshot (as of June 13, 2026): the median sale price is about $368K ($253 per sq ft), with homes averaging 119 days on market and 3.8 months of supply, a balanced market. Based on 16 recent closings in live BeachesMLS data.

Floral Lakes is a gated 55-plus active-adult community in Delray Beach (ZIP 33445 and nearby), manned 24 hours, comprising about 589 attached villas built from 1997 to 2000.

Homes are single-level attached villas with attached garages, two or three bedrooms and two baths, in a classic Mediterranean design with red tile roofs, vaulted ceilings, open floor plans, screened patios, and many waterfront views.

The HOA is notably low and inclusive, reported around $433 per month covering cable and internet, common-area and lawn maintenance, recreational facilities, security, and even exterior painting.

Amenities include two pools, a fitness center, an arts and crafts room with a kiln, billiards, bocce, and Har-Tru tennis and pickleball. The 55-plus age restriction is strictly enforced, with pet and vehicle rules; confirm the current dues, reserves, and rules for a specific home.

Best for

  • Buyers 55 and older who want a single-level villa with a low, inclusive HOA
  • Buyers who want a gated, manned community with a deep amenity base
  • Buyers who prefer late-1990s Mediterranean villas to older stock
  • Buyers who value an HOA that even covers exterior painting

Probably not for

  • Buyers who do not meet the strict 55-plus age requirement
  • Buyers who want a single-family home, new construction, or no HOA
  • Buyers who want a two-story home or a large lot
  • Buyers unwilling to read the association's reserves and rules

How Floral Lakes is performing right now

58/100
momentum
Balanced Market
Seller's marketBalancedBuyer's market
3.8Months of supplytight
91Median days on marketdays
2 : 5Under contract vs for salestrong demand
16Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
-4%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 13, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Floral Lakes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Floral Lakes buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Floral Lakes

Live MLS inventory for Floral Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Floral Lakes listings as of 2026-06-13, priced high to low. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.. Tap any home to ask about it.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Florida's Turnpike (Atlantic Ave)~5 to 10 min · approximate, varies with traffic
Downtown Delray Beach and Atlantic Avenue~10 to 15 min · east on Atlantic Avenue
Delray Beach (Atlantic Ocean)~15 to 20 min · east to the coast
I-95 (Atlantic or Linton)~8 to 12 min · north-south interstate
Boca Raton~20 to 30 min · south via I-95 or the Turnpike
Palm Beach International (PBI)~30 to 40 min · north via I-95

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Floral Lakes with Momentum Realty’s local guides.

Huntington LakesHuntington LakesDelray Beach, FL · 0.6 miPine Ridge atDelray BeachPine Ridge atDelray BeachDelray Beach, FL · 1.2 miHammock ReserveHammock ReserveDelray Beach, FL · 1.7 miHuntington PointeHuntington PointeDelray Beach, FL · 1.9 miKings PointKings PointDelray Beach, FL · 1.9 miVillages of OrioleVillages of OrioleDelray Beach, FL · 2.0 miRainberry BayRainberry BayDelray Beach, FL · 2.0 miThe Pinesof DelrayThe Pinesof DelrayDelray Beach, FL · 2.3 miDelray DunesDelray DunesBoynton Beach, FL · 2.3 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Floral Lakes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Palm Beach County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Floral Lakes is served by Palm Beach County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Floral Lakes address.

The takeaway

What is actually shaping value at Floral Lakes, sourced and dated. We do not publish rumor.

Recent Developments in Floral Lakes

Our read on what is being built around Floral Lakes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is a gated 55-plus villa community with a low, inclusive HOA and late-1990s construction that lowers near-term structural risk relative to older stock. The watch items are the reserves and the strict 55-plus rules.

Low, inclusive all-in HOA

BullishA reported fee around $433 covering cable, internet, lawn, recreation, security, and exterior painting is unusually low and value-friendly for the amenities. impact
SignificanceRadius: Community

Low, inclusive all-in HOA

Late-1990s villa construction

BullishHomes built 1997 to 2000 are newer than the area's 1970s stock, lowering near-term renovation and structural risk. impact
SignificanceRadius: Community

Late-1990s villa construction

Strict 55-plus enforcement and reserves

NeutralThe age restriction is strictly enforced, and as a villa association the reserves still matter; confirm both before buying. impact
SignificanceRadius: Association

Strict 55-plus enforcement and reserves

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Floral Lakes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 1997 to 2000
    Development

    Floral Lakes built as a 55-plus villa community

    Community profiles describe Floral Lakes as a gated, manned 55-plus community of about 589 attached Mediterranean villas built from 1997 to 2000, with attached garages and waterfront views, a low HOA reported around $433 covering cable, internet, lawn, recreation, security, and exterior painting, and amenities including two pools, fitness, tennis, and pickleball. Why it matters: The low, inclusive HOA and newer villas are the draw; confirm the dues, reserves, and the strict 55-plus rules for a specific home. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Floral Lakes, this is the order of operations we would run, and the one we run for our clients.

1

Read the association's books. Confirm the dues, what they cover, the reserves, the milestone inspection status, and any assessments for the villa association.

2

Confirm the 55-plus and occupancy rules. The age restriction is strictly enforced; verify the requirement and any pet and vehicle rules before you write.

3

Weigh the lot and view. Waterfront-view villas carry a premium; confirm what a villa backs to.

4

Read the villa's condition. Even on late-1990s stock, confirm the roof, systems, and any updates.

5

Comp within the community. Price against the closest comparable villa in Floral Lakes, not an area average.

Best Buy
An updated villa with a waterfront view in an association with healthy reserves, priced to comparable in-community sales.
Biggest Risk
Underbudgeting a reserve assessment, or overpaying for an interior villa with no water view.
Best Lot
Waterfront-view villas hold value over interior ones.
Smart Timing
Confirm the reserves and the dues; demand is steady for low-HOA 55-plus villas.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Floral Lakes is a gated 55-plus active-adult community in Delray Beach, manned 24 hours, comprising about 589 attached Mediterranean villas built from 1997 to 2000, with attached garages, two or three bedrooms and two baths, vaulted ceilings, screened patios, and many waterfront views. The HOA is notably low and inclusive, reported around $433 per month covering cable and internet, lawn and common-area maintenance, recreation, security, and exterior painting. Amenities include two pools, a fitness center, an arts and crafts room with a kiln, billiards, bocce, and Har-Tru tennis and pickleball. The 55-plus age restriction is strictly enforced, with pet and vehicle rules. Confirm the dues, reserves, inspection status, the 55-plus rules, and the home's condition before relying on them.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: interior villas
$275K to $346K

Interior-position villas, the more attainable way in. Condition and the low all-in fee drive value.

Lowest entry
Core: waterfront-view villas
$346K to $423K

Villas with lake or water views, the heart of the community. View and condition set where these land.

Most inventory
High: updated waterfront villas
$423K to $440K

Fully updated three-bedroom villas on the best water views, the top of the local range. Move-in condition and the view drive the premium.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$275K to $346K
Entry: interior villas
Interior-position villas, the more attainable way in. Condition and the low all-in fee drive value.
$346K to $423K
Core: waterfront-view villas
Villas with lake or water views, the heart of the community. View and condition set where these land.
$423K to $440K
High: updated waterfront villas
Fully updated three-bedroom villas on the best water views, the top of the local range. Move-in condition and the view drive the premium.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Floral Lakes

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The low, inclusive HOA is the standout. The deal is won or lost on the villa's condition, the water view, and the association's reserves.

Jon Brooks · Founder, Momentum Realty
8.0B+ · Buy Score
Resale Strength8.0/10
Renovation Risk5.2/10
Location Efficiency8.4/10
Long-Term Defensibility8.0/10
Carrying Cost Advantage8.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Floral Lakes is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take
  • Waterfront-view villas hold value best
  • Updated villas beat dated, interior ones
  • The low, inclusive HOA is a real carrying-cost edge
  • Late-1990s construction lowers near-term risk
  • Comp within the community, not the area average

At Floral Lakes the value drivers are the villa's condition and water view, with the low, inclusive HOA as a standout carrying-cost advantage. Waterfront-view villas hold value over interior ones, and late-1990s construction keeps near-term structural risk lower than older stock, though the association's reserves still matter. Compare a villa against the closest in-community sale, and weigh the condition, the view, and the low HOA together.

Floral Lakes in 15 seconds.

Best forBuyers 55 and older who want a single-level villa with a low, inclusive HOA in gated Delray.
Strong onA low all-in HOA covering even exterior painting, late-1990s villas, a manned gate, and a deep amenity base.
WatchThe reserves and any assessments, the strict 55-plus rules, and the lot and water view.
Not forBuyers who do not meet the 55-plus requirement, want a single-family home, a two-story home, or no HOA.
The edgeAn unusually low, inclusive HOA on newer villas is a strong, value-friendly carry when the reserves check out.

HOA, CDD & Fees

15-Second Take
  • Gated 55-plus villas, manned 24 hours
  • Low, inclusive HOA reported around $433/mo
  • Fee even covers exterior painting
  • Late-1990s construction lowers near-term risk
  • Confirm reserves and the strict 55-plus rules

The HOA is notably low and inclusive, reported around $433 per month covering cable and internet, common-area and lawn maintenance, recreational facilities, security, and exterior painting. Confirm the current amount, the full inclusions, the reserves, the milestone inspection status, and any assessments for the specific villa.

Reported to cover cable and internet, lawn and common-area maintenance, recreation, security, and exterior painting. Confirm the exact inclusions for a specific villa.

Recreation runs through two pools, a fitness center, an arts and crafts room with a kiln, billiards, bocce, and Har-Tru tennis and pickleball, included through the HOA rather than a separate equity club.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Floral Lakes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Huntington Pointe, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Floral Lakes home worth?

Get a no-obligation home value based on real comparable sales in Floral Lakes matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See the full Floral Lakes home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Floral Lakes year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Floral Lakes Market Scorecard

Strong seller's market

Floral Lakes is currently a strong seller's market. About 2.2 months of supply, a median asking price of $1,099,999, and homes go under contract in about 68 days.

2.2
Months supply
$1,099,999
Median list
$847,500
Median sold
$321
Per sqft
68
Days on mkt
7/6/39
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard · county scorecard.

Live data: BeachesMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Floral Lakes a 55-plus community?
Yes. Floral Lakes is a gated 55-plus active-adult community in Delray Beach, with the age restriction strictly enforced. Confirm the exact requirement and occupancy rules before buying.
What are the HOA fees at Floral Lakes?
The HOA is notably low and inclusive, reported around $433 per month covering cable and internet, lawn, recreation, security, and exterior painting. Confirm the current amount and inclusions for a specific villa.
What kinds of homes are at Floral Lakes?
About 589 single-level attached Mediterranean villas built from 1997 to 2000, with attached garages, two or three bedrooms, and many waterfront views.
What amenities does Floral Lakes have?
Two pools, a fitness center, an arts and crafts room with a kiln, billiards, bocce, and Har-Tru tennis and pickleball.
Should I worry about assessments?
As a villa association, the reserves and Florida's inspection rules matter even on newer stock. Review the reserves and any assessments before buying.
Is Floral Lakes gated?
Yes, and it is manned 24 hours.
What are the pet and vehicle rules?
The community allows pets with limits and restricts certain vehicles (for example, pickup trucks parked in garages overnight and motorcycles prohibited). Confirm the current rules with the association.
How close is downtown Delray and the beach?
Downtown Delray Beach and Atlantic Avenue are roughly ten to fifteen minutes east, with the beach a bit beyond and the Turnpike and I-95 minutes away.
Is Floral Lakes a good investment?
A low, inclusive HOA on newer 55-plus villas supports steady demand, with value turning on the villa's condition, the view, and the reserves. This is not a guarantee of future value.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. Having your own representation to read the association's reserves, the rules, and the comps is the highest-leverage decision you make.
What is the area like?
It is a gated, low-maintenance 55-plus villa community in Delray Beach with a deep amenity base and a low, inclusive HOA, minutes from the Turnpike and a short drive to downtown Delray.
You are 55 or older and want a single-level villa with a low, inclusive HOAExcellent fit
You want a gated, manned community with a deep amenity baseExcellent fit
You prefer late-1990s Mediterranean villas to older stockExcellent fit
You value an HOA that even covers exterior paintingExcellent fit
You will read the association's reserves and the strict 55-plus rulesExcellent fit
You do not meet the strict 55-plus age requirementProbably not
You want a single-family home, new construction, or no HOAProbably not
You want a two-story home or a large lotProbably not
You are unwilling to read the association's reserves and rulesProbably not
You want a private equity club rather than community amenitiesProbably not

Get the inside read on Floral Lakes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Floral Lakes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Floral Lakes specialist will reach out personally, usually the same day.

Floral Lakes median home price history from 2012 to 2026, chart by Momentum Realty
Median sale price in Floral Lakes, Florida by year (2012 to 2026). Source: Momentum Realty.
BeachesMLS logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

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