Charlotte Area Guide · 55+ Living
55+ Communities Around Charlotte
Which 55+ communities are still selling new homes, which are resale only, what they cost and what to ask before you buy. Updated October 2026.
Ready to talk? Call or text Maureen at 704-621-3066
Where They Are
Pins show each community’s general location around Charlotte. Tap a section below for details.
Selling new homes Resale, 55+ Resale, age-targeted
Quick Answer
As of October 2026, five 55+ communities around Charlotte are actively selling new homes: Del Webb Carolina Riverside in Belmont, Del Webb Carolina Ridge in Midland, Encore at Streamside in Waxhaw, Cumberland in Concord and Esplanade at Northgate in Indian Trail. Cresswind Charlotte is down to its final homes.
The biggest established communities, Sun City Carolina Lakes, Carolina Orchards and Trilogy Lake Norman, are now resale only. If you want one of those, you’re buying from an owner, not a builder.
Selling New Homes Now
Starting prices are what each builder’s website showed on October 22, 2026. HOA fees marked 55places come from 55places.com, not the builder.
| Community | Town | Builder | Starting price | HOA |
|---|---|---|---|---|
| Carolina Ridge | Midland | Del Webb | $415,990+ | Not listed |
| Carolina Riverside | Belmont | Del Webb | $436,990+ | Not listed |
| Cumberland | Concord | Niblock Homes | $547,300 | $225/mo (55places) |
| Encore at Streamside | Waxhaw | David Weekley Homes | $579,990 | $330/mo + $1,980 at closing |
| Esplanade at Northgate | Indian Trail | Taylor Morrison | Ask me (sources disagree) | $301–$325/mo (55places) |
| Cresswind Charlotte | Mint Hill area | Kolter Homes | Final homes $590,000–$749,990 | $233–$277/mo (55places) |
Now sellingDel Webb Carolina RidgeNew in 2026 in Midland, Cabarrus County. Single-family homes from 1,345 to 2,712 sq ft. A 12,000 sq ft clubhouse, resort-style pool, pickleball and bocce are planned.See community details →
Now sellingDel Webb Carolina RiversideBelmont, near the Catawba River and the airport. Single-family homes from 1,223 to 2,712 sq ft, 800+ homesites. A 19,000 sq ft clubhouse, indoor and outdoor pools, pickleball and trails are planned, with a full-time lifestyle director.See community details →
Now sellingCumberlandNiblock Homes patio homes in Concord, one and two stories, from 1,629 sq ft. Clubhouse, walking trail, dog park and pickleball.See community details →
Now sellingEncore at StreamsideDavid Weekley Homes in Waxhaw. One- and two-story homes from 1,927 to 3,180 sq ft. The Landing Clubhouse, pool, fitness center, pickleball, trails and a lifestyle director.See community details →
Now sellingEsplanade at NorthgateTaylor Morrison in Indian Trail, Union County. About 194 homes with a clubhouse, outdoor pool, pickleball and bocce, per 55places. Pricing differs between listing sites, so call for current numbers.See community details →
Final homesCresswind CharlotteKolter Homes in the Mint Hill area, about 850 homes. Single-story homes from 2,432 to 2,967 sq ft. Clubhouse, indoor and outdoor pools, pickleball, tennis, trails and a lifestyle director.See community details →Resale Only
These communities are built out. Homes come up when owners sell. Price ranges and fees come from 55places.com as of October 2026.
Resale · 55+Sun City Carolina LakesThe largest in the area, about 3,160 homes on the Catawba River in Indian Land, SC. Two community centers and a public 18-hole golf course. Homes from the mid-$300Ks to mid-$700Ks; HOA $189–$379/mo.See community details →
Resale · 55+Carolina OrchardsDel Webb in Fort Mill, SC, about 722 homes built 2015–2021. Clubhouse, indoor and outdoor pools, tennis and pickleball. Mid-$400Ks to mid-$700Ks; HOA $238–$321/mo.See community details →
Resale · 55+Trilogy Lake NormanShea Homes in Denver, Lincoln County, about 1,100 homes. The 30,000 sq ft Twin Mills Club, indoor and resort pools, pickleball and lake access through Freedom Boat Club. High $400Ks to low $1Ms; HOA $190–$540/mo.See community details →
Resale · 55+WildbrookD.R. Horton Freedom Homes in Denver, about 150 single-story homes. Gated, with an activity director. HOA about $50/mo.See community details →Age-targeted, no age requirement
These are marketed to buyers 55+, but 55places lists no age restriction. Anyone can buy.
Resale · Age-targetedRegency at PalisadesToll Brothers inside The Palisades on Lake Wylie, about 413 homes. Clubhouse, pools, pickleball and lake access. High $400Ks to low $800Ks.See community details →
Resale · Age-targetedThe Vineyards on Lake WylieD.R. Horton in Charlotte, about 430 homes. Clubhouse, pools, pickleball, 10+ miles of trails and a boat launch. Mid $300Ks to mid $800Ks.See community details →
Resale · Age-targetedLake WalkD.R. Horton in Mooresville, about 122 single-story homes. Pool, pickleball, bocce, trails and RV/boat parking. No clubhouse.See community details →Thinking About a 55+ Move?
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Age-Restricted vs. Age-Targeted
Age-restricted communities follow the federal Housing for Older Persons Act. At least 80% of occupied homes must have at least one resident who is 55 or older, and the community has to publish its age policy and verify residents’ ages. HUD explains the rule here.
Age-targeted communities are designed and marketed for 55+ buyers but have no age requirement. Read the community’s covenants before you buy so you know which one you’re getting.
What to Ask Before You Buy
- Are the amenities built or planned? At both new Del Webb communities, the clubhouse and pools are still listed as planned.
- What does the HOA cover? Lawn care, trash, internet and TV vary by community. Ask for the current budget.
- What do you pay at closing? Some charge a capital contribution. Encore at Streamside lists $1,980.
- What are the age and rental rules? Get them in writing from the covenants.
- Bring your own agent on the first visit. The builder’s salesperson works for the builder. Many builders require your agent to register you on your first visit, or they won’t work with your agent later.
55+ Communities FAQ
Which 55+ communities near Charlotte are selling new homes?
As of October 2026: Del Webb Carolina Ridge (Midland), Del Webb Carolina Riverside (Belmont), Encore at Streamside (Waxhaw), Cumberland (Concord) and Esplanade at Northgate (Indian Trail). Cresswind Charlotte has its final homes left.
What is the largest 55+ community near Charlotte?
Sun City Carolina Lakes in Indian Land, SC, with about 3,160 homes, according to 55places.com. It is resale only.
How much does a new home in a Charlotte-area 55+ community cost?
On October 22, 2026, builder starting prices ran from $415,990 at Del Webb Carolina Ridge to $579,990 at Encore at Streamside. Prices change often, so check with the builder.
What is the difference between age-restricted and age-targeted?
Age-restricted communities require at least 80% of occupied homes to have a resident 55 or older under federal law. Age-targeted communities are marketed to 55+ buyers but have no age requirement.
Are there 55+ communities on Lake Norman or Lake Wylie?
Yes. Trilogy Lake Norman in Denver offers lake access through Freedom Boat Club. Regency at Palisades and The Vineyards sit on Lake Wylie. All three are resale only.
Do I need an agent to buy in a new 55+ community?
You don’t have to have one, but the builder’s salesperson represents the builder. Many builders require your agent to register you on your first visit, so bring your agent the first time you tour.
Looking at 55+ Communities Near Charlotte?
Call or text Maureen Mahood at 704-621-3066. I’ll help you compare communities and, if you have a home to sell, tell you what it’s worth.
Prices, fees and availability come from builder websites and 55places.com as of October 22, 2026, and change often. Confirm with the builder before you decide. Maureen Mahood, Broker/Owner, Sell Your Home Charlotte. Not affiliated with any builder listed. Photos are illustrative stock images, not photos of the communities.