Spinnaker Bay At Lake Cha Homes for Sale

Spinnaker Bay At Lake Cha is an age-restricted 55+ community in Lake Worth, Palm Beach County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $639,000 to $695,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Spinnaker Bay At Lake Cha and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Spinnaker Bay At Lake Cha and the Lake Worth area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows a single listing for Spinnaker Bay At Lake Cha Lake Worth homes for sale as of September 2026. The median asking price is $575,000.

That is 37% above the Lake Worth median of $420,000. On a per-foot basis, homes here ask about $304 per square foot, compared with $250 across Lake Worth. So the median price buys roughly 1,900 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 259 days on the market. That is slower than the Lake Worth average of 103 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Spinnaker Bay At Lake Cha date from 1995 to 2001. That puts them between 25 and 31 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Rentals in Spinnaker Bay At Lake Cha have a median asking rent of $3,550 per month, across 1 active rental listing. For comparison, the Lake Worth median is $2,405, so rents here run 48% higher.

You can browse current Lake Worth rentals or ask us for a rent estimate on a specific Spinnaker Bay At Lake Cha home.

Here is what the median Spinnaker Bay At Lake Cha price means in Florida closing terms. At $575,000, a 20% down payment comes to about $115,000, leaving a loan near $460,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,610. Next, the intangible tax of 0.2% adds about $920. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Spinnaker Bay At Lake Cha median, that is about $4,025.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Spinnaker Bay At Lake Cha listings show assignments to Manatee (Palm Beach) (elementary), Christa McAuliffe (middle) and Park Vista (high). However, boundaries can change each year, so confirm the assignment for a specific address with the School District of Palm Beach County.