55+ at Babcock Ranch

Regency or Alta Key? The two 55+ communities at Babcock Ranch, compared.

The age rule, the monthly cost and what each one includes, on one page. No sales pressure, and we do not work for either builder.

Call or text (239) 251-2371 Book a guided tour

Side by side

The honest comparison .

They are both 55+, both gated and both inside the same solar-powered town. Almost everything else about them is different, starting with how you own the home.

55+

Alta Key

by High Point Living

Builder / operator: Regency: Toll Brothers; Alta Key: High Point Living
How you own it: Regency: You own the home and the lot (fee simple); Alta Key: You own the home; the homesite is on a 99-year land lease
Age status: Regency: 55+ age-restricted; Alta Key: 55+ age-restricted
Gated: Regency: Yes; Alta Key: Yes
Home types: Regency: Single-family homes (Lago and Sol collections) and villas (Terra collection, resale only); Alta Key: Single-story, two-bedroom single-family homes (Pioneer, Oasis, Lighthouse)
Square feet: Regency: 1,529 to 3,310; Alta Key: 1,590 to 1,648
Starting price: Regency: From $424,995 (Lago) and $545,995 (Sol) (as of 2026-09-29); Alta Key: From $249,000 (as of 2026-09-14)
Own amenity center: Regency: Yes; Alta Key: Yes
Monthly cost structure: Regency: Monthly HOA to the neighborhood association (gate, amenity center, lawn care); Alta Key: Monthly lifestyle installment to High Point Living for the land lease
Construction status: Regency: Selling now, quick move-in homes available; Alta Key: First homes complete, released in phases

Age status checked Regency 2026-09-29, Alta Key 2026-09-29. Prices as of Regency 2026-09-29 (tollbrothers.com) · Alta Key 2026-09-14 (High Point Living pricing sheet). Builder pricing changes without notice; ask us for today's number.

The age rule

Who can live there, exactly.

Under the federal Housing for Older Persons Act, a 55+ community must have at least one resident aged 55 or older in at least 80 percent of its occupied homes. Each community then sets its own rules in its recorded documents: the minimum age for a younger spouse or partner, whether adult children can live with you, and how long grandchildren can visit.

We read the recorded documents before you sign, not the brochure. Ask us for the exact rule for the community you are considering and we will send you the page it comes from.

Ask for the recorded rule

Regency at Babcock

55+

55+ age-restricted community (federal Housing for Older Persons Act).

The exact occupancy rule (minimum age for other residents, adult children, length of guest stays) is in the recorded community documents. Ask us for the recorded rule and we send you the page.

Source: tollbrothers.com Regency at Babcock Ranch page ("the only gated 55+ community for active adults within the Babcock Ranch master plan") and babcockranch.com neighborhoods list ("55+ active-adult") Checked 2026-09-29.

Alta Key

55+

55+ age-restricted community (federal Housing for Older Persons Act).

The exact occupancy rule (minimum age for other residents, adult children, length of guest stays) is in the recorded community documents. Ask us for the recorded rule and we send you the page.

Source: babcockranch.com neighborhoods list ("55+", "active adults") and John Garuti, 2026-09-11. alta-key.com describes itself as an "Active Adult Community" without publishing the occupancy rule. Checked 2026-09-29.

What you pay monthly

Two different cost structures, not two prices.

A single like-for-like monthly number would mislead you. Regency is fee-simple ownership with an HOA and a CDD. Alta Key is a land lease with a monthly lifestyle installment. Here is how each one adds up.

Regency at Babcock

Fee simple

Monthly HOA to the neighborhood association (gate, amenity center, lawn care)
Babcock Ranch Residential Association fee, included in that HOA line
CDD assessment once a year on the property tax bill
Property tax and homeowner insurance on top

Worked example · Single Family Home - Lago Collection

Monthly HOA: $436.00
CDD, 50' Lot: $2,404.10 a year, so per month: $200.34
HOA + CDD per month: $636

HOA and CDD figures come from our verified fee data for Babcock Ranch. Mortgage, property tax and insurance are not included.

Every home type and lot size

Monthly HOA

Villa - Terra Collection$408.00
Single Family Home - Lago Collection$436.00
Single Family Home - Sol Collection$441.00

Annual CDD

50' Lot$2,404.10
60' Lot$2,755.14
Twin Villa$1,877.53

Open the HOA and CDD calculator

Alta Key

Land lease

Monthly lifestyle installment to High Point Living for the land lease
Lawn care, shared spaces and community management are handled for you
No HOA dues unless residents choose to form an association
Property tax and homeowner insurance on top; we confirm the CDD and master fee position before you sign

Monthly lifestyle installment

High Point Living sets the monthly lifestyle installment for Alta Key and quotes it per home. We confirm the current figure, and whether the lease covers the Babcock Ranch master association fee and the CDD, before you sign anything.

Ask for the current installment

What the CDD actually is

The Community Development District (CDD) assessment funds the roads, utilities and drainage that were built before the homes. It is billed once a year on your property tax bill, not monthly to an HOA. Part of it is ongoing operations and maintenance; the larger part is debt service that is paid off on a fixed schedule, so it is finite and it declines as the bonds are retired.

See every community's HOA and CDD in the HOA and CDD calculator.

What is included

Yours, and the whole Ranch .

Each neighborhood has its own amenity center behind the gate. Both also sit inside Babcock Ranch, a golf-cart-friendly town where Founder's Square, the trails and the lakes belong to every resident.

Inside your gate

Regency at Babcock

Private amenity center with pool
Fitness center and social room
Pickleball, tennis, bocce and shuffleboard
Putting green and community garden
Dog park, fishing pond and trails

Source: tollbrothers.com, 2026-09-29.

Alta Key

Resort-style pool and clubhouse
Putting green
Pickleball courts
Fire pits and nature trails

Source: alta-key.com and High Point Living, 2026-09-14.

Across the town

Founder's Square

The literal heart of the town — restaurants, the Sunday farmers market, Food Truck Fridays, live music on the lawn and a dock where every weekend ends with sunset over Lake Babcock.

50+ miles of trails

Hike, bike, e-bike or paddle through pine flatwoods, slough preserves and a 14,000-acre nature preserve. Half the master-plan land is actual deed-restricted greenspace — no marketing spin here.

K–12 schools on-site

Babcock Neighborhood Schools (K-8) and Babcock High smack dab in the middle of the town. Charter, A-rated by the state, walkable from most neighborhoods.

870-acre solar field

The first utility-scale FPL solar array built to power an entire American town. It's why Babcock Ranch® didn't lose power during Hurricane Ian's Category 4 landfall — while the majority of Southwest Florida went dark.

Lake Babcock

A 480-acre lake at the center of town. Paddleboards, kayaks and pontoons from the public dock, sunset waterfront dining at Founder's Square and fishing year-round.

The Hatchery

Coworking, conference rooms and a small-business incubator built into the town. Fiber-fast, kid-friendly hours and the closest "office" if you're a remote-first family.

Available homes

Floor plans with real pricing .

Builder pricing moves every few weeks, so we show the plans here and send you the current number. Every model page has a real-time price button.

See every plan →

Toll Brothers · Regency at Babcock

Sawgrass

1,893 sq ft

3 bed

2 bath

2 car

Real-time price →

Toll Brothers · Regency at Babcock

Flatwood

1,979 sq ft

3 bed

2 bath

2 car

Real-time price →

Toll Brothers · Regency at Babcock

Birchwood

2,081 sq ft

3 bed

2 bath

2 car

Real-time price →

High Point Living · Alta Key

Pioneer

1,648 sq ft

2 bed

2 bath

2 car

Real-time price →

High Point Living · Alta Key

Oasis

1,590 sq ft

2 bed

2 bath

2 car

Real-time price →

High Point Living · Alta Key

Lighthouse

1,638 sq ft

2 bed

2 bath

2 car

Real-time price →

Starting prices in the comparison above are as of Regency 2026-09-29 (tollbrothers.com) · Alta Key 2026-09-14 (High Point Living pricing sheet). Plan cards link to the builder's real-time price.

What people worry about

The questions buyers actually ask us.

Straight answers from a team that lives here and sells here. Nothing below comes from a builder brochure.

More on the trade-offs in 55+ communities in Southwest Florida: you're probably choosing wrong, and resale options in Babcock Ranch resales.

Will I be living next to construction for years?

Yes, parts of Babcock Ranch are still being built and will be for some time. Inside Regency and Alta Key the work is phased, so ask us which streets are finished and which are still active before you pick a lot. A completed street with a finished street behind it is the quiet choice.

Can I resell in a town this young?

Resales already happen in every neighborhood at Babcock Ranch, and we handle them. A 55+ home in a gated community with its own amenity center sells to the same buyer pool you are in now. We will show you actual resale activity in the community you are considering, not a projection.

Is the CDD a hidden fee?

No, but it is a real one. It shows up once a year on the property tax bill, and part of it is finite debt that declines over time. We put it into the monthly math above so there is no surprise at closing.

How far is the beach and the airport?

Babcock Ranch is inland, east of Punta Gorda. Southwest Florida International (RSW) and the Gulf beaches are a drive, not a walk. We will give you real door-to-door drive times for the routes you care about rather than a marketing radius.

What about doctors and hospitals?

There are medical offices in and around Babcock Ranch, and full hospitals in Punta Gorda and Fort Myers. Tell us what care you need to be near and we will map real drive times to it.

What happened during Hurricane Ian?

Babcock Ranch kept power through Ian in 2022. The town is built to newer codes on higher ground, with buried utilities and its own solar array and storage. That is the reason many of our 55+ buyers chose it.

Talk to a local agent

A local team, no sales pressure .

Team John Garuti has sold more than 600 new homes at Babcock Ranch and holds the most five-star reviews of any team here. Buyers pay nothing; the builder pays us.

John Garuti III

Team John Garuti · eXp Realty®

Call or text (239) 251-2371, or book a guided tour.

Get floor plans and pricing for Regency and Alta Key

Same form as above. If you already sent it, you are on the list.

Questions

Regency and Alta Key FAQ .

Are Regency and Alta Key both 55+ communities?

Yes. Both are listed by Babcock Ranch as 55+ active adult neighborhoods. Regency is built by Toll Brothers and Alta Key by High Point Living. Each community sets its own detailed occupancy rules in its recorded documents, which we read with you before you sign.

What is the 55+ age rule?

Federal law requires at least one resident aged 55 or older in at least 80 percent of occupied homes in a 55+ community. The minimum age for other residents and the visitor policy are set by each community's own documents.

What is a land lease at Alta Key?

You buy and own the home outright. The homesite under it is leased from High Point Living on a 99-year term, paid as a monthly lifestyle installment that also covers lawn care, shared spaces and community management.

What is the CDD fee at Babcock Ranch?

The CDD assessment pays for the roads, utilities and drainage built for the town. It is billed once a year on the property tax bill and part of it is finite debt that declines over time. Our calculator shows the exact figure by community and lot.

Can my grandchildren visit or stay?

Visiting is normal in every 55+ community. How long younger guests can stay is set by each community's recorded rules, and we will send you the exact clause for Regency or Alta Key.

Are pets allowed?

Yes in both communities. Breed and number limits, if any, come from the recorded documents, and we check them for you.

Can I resell a 55+ home at Babcock Ranch?

Yes. Resales happen across Babcock Ranch today and we handle them. The buyer pool for a gated 55+ home with its own amenities is the same one you are in now.

Still deciding? Read the Regency page, the Alta Key page, or meet the team.

55+ at Babcock Ranch

See both communities in one afternoon.

A guided tour of Regency and Alta Key with a local agent, no builder script.

Book a guided tour → Get floor plans and pricing

Free to buyers. Call or text (239) 251-2371.