Inside Sun City Center & Kings Point: Florida’s Iconic 55+ Communities

Thinking about retiring near Tampa but not sure where to start? Let’s talk about a place that’s a bit of a legend in the 55+ world: Sun City Center, Florida. Yep, this is the one you’ve probably heard whispers (or loud praise) about. It’s not just big—it’s huge. And within it lies Kings Point, one of the most iconic gated communities in the area.

In this guide, we’re pulling back the curtain on these beloved 55+ communities in the Tampa Bay area. And this isn’t just a list of facts. It’s a walk-through with real talk. We’ve toured the area, chatted with locals, and met with experts who live and breathe this lifestyle. Whether you're seriously house hunting or just starting to dream, you’ll get a down-to-earth look at what makes this place special, and whether it’s right for you.

Let’s get started.

What Exactly is Sun City Center?

Let’s clear something up right away: Sun City Center isn’t just one community. It’s actually a large, unincorporated area made up of multiple 55+ neighborhoods. Think of it like a sprawling hometown specifically designed for retirees who want an active, social, and affordable Florida lifestyle. It’s located just 30 minutes south of downtown Tampa, in Hillsborough County, making it close to beaches, shopping, and healthcare, without the nonstop bustle of city life. Within Sun City Center, you’ll find a maze of neighborhoods. In fact, there are over 165 different HOAs. Some people say it's like “college for retirees,” but we’d argue it’s better—more hobbies, no exams, and much better coffee. This area was designed with retirement in mind. From golf carts to grocery stores, everything here is accessible, connected, and thoughtfully laid out. And within Sun City Center, there’s a big name you need to know...

Kings Point: The Crown Jewel Inside Sun City Center

Kings Point is a gated neighborhood inside Sun City Center. It has its own vibe and its own setup, complete with 80+ HOAs of its own. Residents often distinguish between living “in Sun City Center” vs. “in Kings Point,” even though both share the same 33573 zip code. According to our experts:

King's Point is in Sun, City Center, but it's kind of its own universe.

And we're not joking! Kings Point Sun City Center is home to nearly 6,000 residences and offers resort-style living with two giant clubhouses, its own private golf course, restaurants, dedicated community transportation, and golf cart lanes that connect you to nearly everything. (Yes, you’ll see more golf carts than cars here, and honestly, it’s kind of amazing.)

This is the place for people who want a low-maintenance lifestyle with high-access amenities. Whether you’re into mahjong, macramé, or morning yoga, you’ll find a group—or ten—to join.

The Lifestyle: What it Really Feels Like to Live Here

Let’s be real: the Florida retirement dream looks different for everyone. Want to be busy from sunup to sundown? You can. Prefer to stick to a mellow routine with a few favorite clubs and afternoon walks? That works too.

At Sun City Center and Kings Point, you can pick your pace. There’s no pressure to “keep up” here. You’ll find people who love line dancing, woodworking, stained glass, model trains, and even folks who just enjoy chatting in the driveway with neighbors or working on projects in their garages.

And if there’s not a club for your interest? Start one! As locals like to say: All you need is 7 friends and an idea—now you’ve got a club.

You Might Love It Here If:

• You want an affordable way to retire in Florida without giving up access to healthcare, shopping, and recreation.
• You’re social, or hoping to be. (There are hundreds of clubs—yes, hundreds.)
• You’re ready to trade in the snow blower for a golf cart and palm trees.
• You like the idea of living somewhere that feels safe, established, and well-run.

Homes for Sale in Sun City Center: What to Expect

You’ll find a wide range of options here, from single-family homes, condos, attached villas, and more. Many were built between the 1970s and early 2000s, but there are newer homes sprinkled throughout too. Homes in Sun City Center range from modest to impressive, and there's something for just about every budget. On average, you’ll see:

• Condos and co-ops starting as low as $119,000
• Villas and duplexes in the $170Ks–$250Ks
• Single-family homes in the $250Ks–$400Ks
• Upgraded or custom homes with water or golf views $750,000+

You’ll also find floor plans ranging from under 1,000 sq. ft. to 2,800 sq. ft. Whether you’re looking for a cozy snowbird nest or a full-time residence, this place delivers options. In fact, it’s one of the few places where you can still find a beautiful Florida retirement home under $200,000.

And yes, there are sections of the community with move-in ready homes, updated kitchens, new roofs, and beautiful views. The key is knowing what to look for (and working with someone who knows the community inside and out—just saying).

Sun City Center HOA Fees Explained (Finally!)

Let’s talk about something not-so-glamorous but super important: HOA fees. In both Kings Point and other neighborhoods within Sun City Center, fees vary depending on the type of home you buy.

Here’s where things get real. The HOA and fee structure in Sun City Center and Kings Point is… a lot. But don’t worry—we’ll break it down:

In Sun City Center:

• One-time $3,000 capital funding fee at closing.
• Annual $344 per person fee to access the core amenities and community spaces.
• Then come the 165+ HOA variations. Some are optional and as low as $25/month. Others cover things like lawn care, roofs, or even painting, and often run $300-$400/month.
• You may be responsible for more maintenance depending on your home type.

Your neighbor across the street might have a different HOA entirely. It all depends on the phase your home was built in.

In Kings Point:

• Fees typically range from $400 to $600+ per month, but they include a lot.
• These often include: exterior maintenance, roof, painting, water, sewer, trash, cable, internet, lawn care—basically everything but your electric.
• No CDD fees in either community.

Our advice? Don’t just look at the number—look at what’s included. Often, the higher fee means fewer surprise bills later.

Activities and Amenities Galore

If you’re looking for a community with things to do, Sun City Center and Kings Point do not disappoint. Here’s just a taste of what you’ll find:

In Kings Point:

• Two massive clubhouses with fitness centers, pools, spas, cafés, and craft rooms
• An 800-seat theater that hosts everything from comedy shows to tribute bands
• Dozens of pickleball, tennis, bocce, shuffleboard, and basketball courts.
• Private golf course (membership or pay-as-you-play required).
• Clubs for every imaginable hobby—from ceramics to model trains.

In Greater Sun City Center:

• North and South Campus Centers with woodshops, arts and crafts studios, stained glass, and more.
• Community-run events and clubs, plus a field that turns into a hotspot for sports and gatherings.
• Three golf courses nearby, including Club Renaissance, which is public, and Scepter Golf Club, only for residents.
• Golf cart access to everything, including grocery stores, restaurants, and doctors

There’s even a woodworking shop and a model train club tucked into the North Campus Center. One resident called it “his dad’s favorite thing in the world.” From handmade cutting boards to intricately detailed train layouts, these clubs are serious labors of love—and just plain fun to explore.

Local Healthcare, Shopping & Getting Around

One of the top reasons people choose Sun City Center is how easy it is to get to quality healthcare. You’ll find:

• South Bay Hospital right in town, plus dozens of clinics, specialists, dentists, and hearing centers.
• Pharmacies, wealth advisors, grocery stores (including Save-A-Lot and Dollar General), and even several golf cart repair shops.
• Multiple primary care and specialist offices
• VA outpatient services nearby
• Walk-in clinics and diagnostic labs within golf cart distance
• Local restaurants offer Greek, German, Mexican, and classic pub food.
• Free transportation available within the community to shopping, doctor appointments, and even the mall in Brandon.

Everything is within reach, and the infrastructure is built around ease and accessibility—especially for those using golf carts.

Location, Location... You Know the Rest

People love this area for a reason. It’s not just affordable—it’s conveniently located in Central Florida.

• 30 minutes to Tampa
• 45 minutes to St. Pete or Clearwater
• 1 hour to the beaches of Sarasota
• 1 hour to Siesta Key
• 1 hour 15 minutes to Disney World
• Near fishing, kayaking, spring training, golf, and even a local manatee viewing center
• Quick drives to airports, cruise ports, and major attractions

It’s the perfect basecamp for Florida adventures—or just a quiet evening on the lanai with a good breeze and a glass of wine.

You’re just close enough to everything—but far enough from the traffic.

Downsides? Let's Be Honest...

Okay, so nothing’s perfect. Let’s talk downsides. Because transparency matters.

• It’s a big place—which is great for options, but can feel a little overwhelming at first. (We’ve got tips for that.)
• With so many HOAs, it can be confusing without a knowledgeable agent.
• Some homes are older and may need roof or system updates to pass 4-point inspections for insurance.

If you’re looking for a brand-new, boutique-style 55+ community with high-end finishes and modern layouts, this may not be your match. But for value, location, and amenities? It’s tough to beat.

This community is amazing, but it’s a lot. You need someone who knows it inside and out to navigate it right.

Is Sun City Center Right for You?

Here’s what we tell people every week: There’s no “one right way” to retire in Florida. But if you’re looking for a community that’s social, affordable, and packed with things to do, it’s hard to go wrong with Sun City Center or Kings Point.

Still not sure? Ask yourself:

• Do I want to be close to Tampa, but not in the city?
• Am I okay with an older home if it means better value?
• Do I want a golf cart-friendly lifestyle?
• Am I excited to try new hobbies—or just enjoy knowing the option is there?

If you said yes to a few of those, Sun City Center deserves a spot on your must-see list. Here, it’s not about being flashy. It’s about being connected, comfortable, and free to enjoy retirement your way.

Sun City Center: Key Takeaways

• Sun City Center is one of the biggest 55+ areas in Florida, located just outside Tampa.
• Kings Point is a gated neighborhood within Sun City Center, with its own clubhouses, golf, and HOAs.
• Home prices range from $119,000 condos to $750,000+ custom homes.
• HOA fees vary—Sun City Center averages $150–$200/month; Kings Point includes more services but runs $400–$600+.
• Amenities are everywhere: pools, fitness, clubs, transportation, golf cart paths, and more.
• You’ll have access to top-tier healthcare, golf cart convenience, and a mile-long list of clubs and activities.
• Best for those seeking an active, social lifestyle without the high price tag.
• It’s well-located and full of personality—but it takes an experienced guide to make sense of it all.

Ready to Explore it for Yourself?

If Sun City Center or Kings Point is even remotely on your radar, we’d love to help you take a closer look—without the stress. Sun City Center and Kings Point are incredible places, but they’re complex. With hundreds of HOAs, different home types, and fees that vary block by block, it helps to have a local expert who can walk you through it all.

At Explore55Plus, our agents don’t just know these communities—they know the floorplans, the fees, the best lanai views, and which HOA includes pressure washing (really). More importantly, we’re here to answer the questions you might be nervous to ask.

It's never too early to start your search. We’ll help you find your perfect Florida fit—with no confusion, no pressure, and maybe even a few cutting board recommendations from the woodshop along the way.

We’re real people, ready to help you find the right fit—not just the right house. Whether you’re a year away from moving or just exploring your options, we’re here to help—questions, quirks, and all.

Connect with an Explore55Plus Expert today!