Top Luxury Communities in South Florida for Retirees

Retiring in style is about more than just good weather. For many, it means living in a place that blends comfort, convenience, and community. This is why more retirees are looking to luxury communities in South Florida—places designed with high-end amenities, vibrant social life, and easy access to top healthcare. This guide will explore the best luxury 55+ communities across South Florida, what sets them apart, and how to choose the right one for your lifestyle.

Why Retire in South Florida?

South Florida ranks among the most popular retirement destinations in the United States, attracting thousands of new retirees each year. According to the U.S. Census Bureau, Florida had the highest net migration of retirees in 2023, with South Florida counties like Palm Beach and Broward leading the trend. Several factors drive this popularity:

• Consistently warm climate with an average winter temperature of 68°F in cities like Boca Raton and Delray Beach. 

• Tax advantages: Florida has no state income tax, estate tax, or inheritance tax 

• Access to world-class healthcare: Top-rated medical centers like Cleveland Clinic Florida in Weston and Baptist Health South Florida in Miami-Dade offer nationally recognized care

• Over 1,000 golf courses statewide, with hundreds concentrated in South Florida.

• Cultural richness and walkable towns: Communities like Downtown Delray Beach offer art galleries, fine dining, boutique shopping, and weekly events

With its mix of lifestyle amenities and financial incentives, South Florida offers an unmatched setting for retirees seeking an elevated, enjoyable retirement.

What Defines a Luxury Retirement Community?

Today's retirees are prioritizing lifestyle just as much as location. When they explore "luxury communities," they’re seeking more than attractive homes—they want convenience, security, and daily access to upscale experiences. The most desirable communities offer:

• Gated entrances with 24/7 security for peace of mind

• Resort-style amenities, including expansive clubhouses, state-of-the-art fitness centers, swimming pools, golf courses, and pickleball and tennis courts

• Concierge-level services, such as home maintenance, housekeeping, spa treatments, and in-community dining options

• Modern home features, from open floor plans and gourmet kitchens to smart home technology and energy-efficient appliances

• Daily social and wellness activities, including yoga classes, hobby clubs, educational seminars, and arts programs

While many are age-restricted 55+ communities, luxury developments in South Florida also attract younger buyers looking for a maintenance-free, amenity-rich lifestyle in a gated setting.

Best Luxury 55+ Communities in South Florida

1. Valencia Sound - Boynton Beach

One of the newest and most talked-about 55+ communities by GL Homes. Perfect for retirees who want modern design and a packed social calendar.

• 39,000 sq ft clubhouse with grand ballroom

• Resort-style pool, full fitness center, tennis, and pickleball

• 24/7 security and gated entrance

• Social and hobby clubs for every interest

• Homes starting in the high $900s

2. The Polo Club - Boca Raton

A prestigious, non-age-restricted luxury community that’s incredibly popular among retirees.

• 36 holes of championship golf

• Tennis and pickleball facilities

• Multiple dining venues

• Spa, fitness center, and year-round events

• Homes range from $600K to $3M+

3. Hunters Run - Delray Beach

This private golf and country club community offers the best of active adult living.

• Three championship golf courses

• Tennis, fitness center, spa, dining options

• 24-hour security, social activities, art, and cultural events

• Mandatory membership ensures exclusive access

4. Villaggio Reserve - Delray Beach

Combining elegance and community, Villaggio Reserve is ideal for retirees looking for affordable luxury.

• Mediterranean-inspired architecture

• 38,000 sq ft clubhouse with indoor/outdoor pools

• Cafe, card rooms, wellness center

• Homes from the mid $500s

5. The Oaks - Boca Raton

Not age-restricted, but very popular with retirees who want upscale living in a serene setting.

• Gated community with estate-style homes

• Exclusive spa, fitness center, and clubhouse

• No golf course, offering a quieter lifestyle

• Home prices from $1M and up

  

How to Choose the Right Luxury Community

Here are a few tips when comparing luxury communities for retirement:

• Tour the property: Schedule visits to explore amenities, talk to residents, and get a feel for the community vibe.

• Evaluate HOA fees: Look at what’s included - landscaping, internet, cable, security.

• Consider your interests: Are you a golfer, artist, social butterfly, or fitness enthusiast?

• Check proximity to hospitals and shopping: Easy access to services can make a big difference.

• Look at long-term value: Some communities offer better resale opportunities than others.

Tips for Buying in South Florida Luxury Communities

Buying in a luxury 55+ community requires a little extra planning:

• Hire a local expert who understands HOA rules, community requirements, and the closing process.

• Check for age restrictions: Not all "retiree-friendly" communities are 55+.

• Ask about pet policies: Especially if you plan to bring a dog or cat.

• Review floorplans carefully: Choose a home that suits your mobility, space needs, and maintenance preferences.

Work With Trusted Real Estate Experts

Choosing the right real estate agent can make or break your retirement move. The Mastropieri Group, Realtors® , Realtors® brings decades of experience and deep knowledge of South Florida luxury communities.

• Personalized home tours

• HOA and community breakdowns

• Full-service buying assistance for out-of-state buyers

FAQs About Luxury Retirement Living in South Florida

Are luxury retirement communities only for people 55 and older?

Not always. While many communities are age-restricted (typically 55+), there are a growing number of all-age communities that offer the same luxury lifestyle—think resort-style pools, spas, tennis courts, and concierge services. These tend to appeal to retirees but don’t legally require a minimum age. It's best to ask about community rules before touring.

What do HOA fees usually cover, and how much are they?

HOA fees in South Florida luxury communities typically range between $400 and $1,500 per month, depending on location, exclusivity, and services provided. Fees often include:

• Lawn and landscape maintenance
  

• 24/7 security or gated access
  

• Clubhouse and fitness facilities
  

• Resort-style pools
  

• Social events and classes
  

• Cable, internet, or utilities (in some cases)
  

Golf communities or waterfront enclaves may carry higher fees to support specialized amenities.

Can I finance a home in a luxury 55+ community?

Yes. Buyers commonly use conventional or jumbo loans, especially in upscale communities with high-value homes. Some developments have preferred lenders who are familiar with the community's rules, which can make the process smoother. Keep in mind: lenders may require a larger down payment for second homes or investment purchases.

Is a golf membership required in these communities?

It depends on the community. Some luxury developments, like Hunters Run in Boynton Beach, require a mandatory golf or social membership as part of ownership. Others, such as Valencia Sound or Boca Bridges, offer optional memberships for buyers who want access to golf, tennis, or clubhouse privileges without the obligation. Always ask what’s included before signing.

Find Your Dream Retirement Home

Retiring in South Florida means upgrading your lifestyle. Whether you prefer country club living, beachfront access, or a wellness-focused community, South Florida has the perfect luxury option.

Call (561) 544-7000 to speak with The Mastropieri Group, Realtors®  today or schedule your personalized home tour. With a trusted local team by your side, your ideal retirement in South Florida starts now.