The Best Small Active Adult Communities in Charlotte

The entrance sign at the Polo Club at Mountain Island Lake, a 55+ community in Charlotte, North Carolina.
If you're looking for a small-town feel, take a look at these 55+ communities in North Carolina.

Charlotte, North Carolina is a top retirement destination for adults 55+. With 72 active adult communities in the area, there’s a lot to choose from and think about. If you’re considering a move to Charlotte and already know you’re looking for a small community in size but big on options, then we’ve got you covered.

Here are our recommendations for the best small communities around Charlotte.

Low $400s - Mid $400s

Graveyard Fields on the Blue Ridge Parkway in autumn in North Carolina.

Located in Harrisburg, The Courtyards at Harrisburg is a community of 23 low-maintenance, single-family homes that range from 1,519 to 2,769 square feet. These homes have two bedrooms, two bathrooms, and are designed with European-style architecture, first-floor master suites, and private outdoor spaces.

A pedestrian-friendly community with landscaped sidewalks, you’ll find neighbors walking or biking along the trail located just outside the community during the warmer months of the year. Though there’s no community clubhouse, residents enjoy the outdoor amenities accessible from the walking trail. It connects to a public park and includes horseshoe pits, soccer fields, and picnic shelters.

Low $400s - Low $500s

Cars racing at the Charlotte Motor Speedway in Concord, North Carolina.
Image credited to Grindstone Media Group /

The Villas at Creek Walk consists of 25 single-family townhomes located on a single cul-de-sac street in Stanley. Just under 40 minutes from Charlotte, this community is the only age-restricted one of its kind in Gaston County that features enclosed garages. The community is close to restaurants, shops, medical facilities, and religious buildings.

The villas of this exclusive community are two- or three-bedroom homes with two full baths and with two-car insulated garages that include large storage rooms. The roomy floor plans encompass 1,720 square feet of living space and feature sunrooms with French sliding glass doors, laundry rooms, pull-down staircases and gas fireplaces in the dens. Designed for comfort, the master baths have two walk-in closets and tile showers.

The low monthly homeowners’ association (HOA) dues cover exterior-home maintenance as well as the maintenance of shrubs and grass.

High $200s - Low $300s

View across a pond of the skyline of Downtown Charlotte in North Carolina.

Ridge Road Villas is a community in Charlotte featuring low-maintenance, ranch-style homes. Situated in the University City area of Charlotte, Ridge Road Villas boasts a highly desirable and convenient location. Residents of Ridge Road Villas enjoy quick access to great shopping, dining, entertainment, and medical care.

The 72 homes in this community exhibit an attractive European country-theme design in a well-landscaped setting. Ridge Road Villas offers four distinctive ranch floor plans. Ranging from 1,733 to 2,335 square feet, all homes feature two-car garages, great rooms, sunrooms and available courtyards. 

The community’s 3,000-square-foot clubhouse provides a quaint setting for residents to gather, workout in the gym, or swim in the outdoor pool. The multipurpose room is complete with a catering kitchen, perfect for hosting a club meeting or holiday party. With billiards and card tables as well, the clubhouse is the perfect place to get to know neighbors and enjoy free time.

High $200s - High $300s

The outdoor pool at The Polo Club at Mountain Island Lake, a 55+ community in Charlotte, North Carolina.

The Polo Club at Mountain Island Lake is a 55+ community located in Charlotte. With 98 attached villas arranged as quad configurations in a unique pinwheel design, each house has a distinctive single-family home look and feel. Nine floor plans are being offered on a resale basis. These range from 1,137 to 1,992 square feet with two to three bedrooms and two bathrooms with an attached garage. Although the majority of these homes are attached, there are some detached single-family homes.

At the center of this active adult community is a charming 3,000-square-foot clubhouse. Residents enjoy gathering here for games, activities, and events. With a catering kitchen and plenty of tables, clubs can gather here on a regular basis. With an outdoor pool and patio, a grilling area, and welcoming lounge with a fireplace, the clubhouse is a great feature to The Polo Club at Mountain Island Lake. Residents can stay fit by utilizing the exercise room and walking trails.

Can you spot the $207,744 difference between these identical homes?

Financing is the difference!

Get the details in The 62+ Loan Homebuyers Guide.

55places Mortgage is a joint venture between Mutual of Omaha Mortgage and
Details here.

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About 55places

We’re changing the way people 55 and older are searching for their perfect next place. With a national network of hand-selected real estate experts, plus comprehensive information, unbiased content, and on-the-go insight about thousands of communities across the country, we’re a trusted resource paving the way from here to home. Whether you’re interested in a low-maintenance single-level residence, an active lifestyle or age-qualified community, an intimate enclave, or anything in between, we can help you make your next move the best one yet.

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