The anchor community in Englewood — 1,000+ homes with golf, tennis, pickleball, a full resort amenity package, and direct access to Manasota Key beaches. Age-targeted, not legally age-restricted. Sits in Sarasota County, not Charlotte County — the tax math is different from Port Charlotte communities.
Age-targeted, not age-restricted: Boca Royale markets to active adults 55+ but does not hold a legal 55+ Fair Housing Act exemption as an age-restricted community. Buyers who require the legal 55+ classification for their household situation should verify the current community age composition and HUD qualification status before purchasing.
Boca Royale is Englewood's premier active adult golf community — the community buyers compare everything else against when they're looking at the south Charlotte County / Englewood corridor. It has a full-service country club with an 18-hole golf course, a robust social calendar, resort-quality amenities, and proximity to Englewood Beach and Manasota Key that inland Charlotte County communities can't match.
The beach access is the real differentiator. Manasota Key — a narrow barrier island with no high-rise development — sits about 4 miles from Boca Royale's entrance. Englewood Beach and Chadwick Park offer Gulf-front access without the crowds of Siesta Key or Venice Beach. For buyers whose retirement vision includes Gulf beaches within a 10-minute drive, Boca Royale's location is genuinely hard to replicate at the price point.
Boca Royale sits in Sarasota County, not Charlotte County. Sarasota County's effective property tax rate runs approximately 0.85–1.10% depending on the municipality — generally lower than Charlotte County's ~1.24% in Port Charlotte. This is a meaningful difference for buyers comparing Boca Royale to Heritage Landing or Kings Gate. On a $450,000 home, the Sarasota County tax bill will run approximately $500–$800 less per year than a comparable Charlotte County home after homestead.
Golf membership structure at Boca Royale has evolved through phases of development. Some homes carry bundled golf access; others pay optional membership fees. The golf club also accepts outside memberships. Verify the golf membership status for any specific property you're considering — whether it's bundled, optional, or excluded affects your carrying cost by $3,000–$8,000+ per year depending on the membership tier.
| Cost Item | Monthly Estimate | Notes |
|---|---|---|
| Mortgage (30yr, 20% down, 7%) | ~$2,400 | On $360K financed at $450K purchase |
| Property taxes (Sarasota Co., after homestead) | ~$300–$370 | ~$3,600–$4,450/yr on ~$400K taxable at ~0.9–1.1% |
| HOA | ~$400–$600 | Verify current amount; may include or exclude golf |
| Golf membership (if not bundled) | ~$250–$650 | Ranges widely by membership tier; $0 if bundled or if you don't play |
| Homeowners insurance | ~$350–$500 | Englewood has post-Ian exposure; Sarasota County premiums elevated |
| Flood insurance (if applicable) | ~$75–$200 | Zone-dependent; verify specific parcel |
| Estimated Total Monthly | ~$3,775–$4,720 | Wide range driven by golf and flood zone variables |
Englewood sits at the southern tip of Sarasota County, adjacent to Charlotte County. Hurricane Ian's track brought the storm directly through this corridor. Englewood Beach and Manasota Key experienced serious storm surge and wind damage. Boca Royale itself is inland from the barrier island, which provided meaningful protection from surge, but wind damage was widespread and insurance premiums across Englewood have risen substantially post-Ian.
Estimated 2025 annual homeowners insurance for a Boca Royale home (inland, Englewood): $4,000–$6,500/year. Flood insurance depends on the specific parcel's FEMA flood zone — obtain the zone designation before assuming coverage requirements. Sarasota County properties near Lemon Bay or canals may be in Zone AE.
Within Englewood, most active adult buyers compare Boca Royale and Park Forest. The comparison is straightforward: Boca Royale offers the full country club experience at a higher price point. Park Forest is age-restricted (not just age-targeted), more affordable, and without golf on-site. For buyers who want legal 55+ restriction and lower carrying cost, Park Forest has a genuine advantage. For buyers who want the full golf-and-resort package in Englewood and don't require the legal age restriction, Boca Royale is the market leader.
See the full Park Forest research page for that comparison side by side.
We connect buyers with agents who know Englewood's cost structure — Sarasota County taxes, golf membership math, and post-Ian insurance — before you make an offer.
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