Cottages of Providence

Independent Assessment

Multiple independent sources — including 55places, local real-estate directories, and the Providence HOA's own web presence — consistently confirm that Cottages of Providence is a genuine, for-sale, age-restricted 55+ neighborhood of individually owned attached homes, not a rental or care facility. One secondary senior-housing directory (Mirador Living) lists it under an 'Assisted Living' category page, a directory classification that also appears for other genuinely for-sale 55+ communities in the Nashville area (Nexus South, The Retreat at Fairvue, Lenox Place); no evidence of a licensed-care operating model was found at Cottages of Providence, so that listing appears to be a classification error. A specific, current HOA fee figure could not be independently confirmed; buyers should request this directly from the Providence HOA of Mt. Juliet or its management company before purchasing.

Who May Find This Community Appealing

Buyers who want a smaller, established, low-maintenance duplex community within walking distance of Providence Marketplace's shopping and dining, with step-less entries and full exterior-maintenance coverage, are a strong fit for Cottages of Providence. Its location within the larger, amenity-rich Providence master-planned development also appeals to buyers who want mature lakes, ponds, and trail networks without the scale or HOA cost of a large resort-style Del Webb community.

Homes, Builders & Development History

Rochford Realty and Construction Company built Cottages of Providence as a 55-and-older section of the larger Providence master-planned development in Mount Juliet, which began development in 2005. The community consists of 116 attached, single-story duplex homes across five floor plans ranging from roughly 1,358 to 1,960 square feet, located on Boxcroft Circle and Boxcroft Court off Belinda Parkway. The community is fully built out with no active builder construction identified as of the last update.

Current Pricing & Market Positioning

Reported pricing at Cottages of Providence starts from the low $400,000s, positioning it as a moderately priced, low-maintenance resale option relative to the larger single-family inventory at nearby Del Webb Lake Providence. Buyers should request current active listings and recent closed comparables from a local agent, given the community's limited 116-home size.

New Construction vs. Resale Considerations

Cottages of Providence is fully built out with no active builder construction, so purchases are resale with no builder warranty. Resale buyers should budget for a full independent inspection with attention to the age of major systems, and should request the HOA's current financials and reserve study before purchasing, since current fee figures could not be independently confirmed.

Taxes, Insurance & Special Assessments

Homes in Cottages of Providence are subject to Wilson County property tax, assessed at the county's current rate, along with any applicable City of Mount Juliet municipal charges. Tennessee has no state income tax; the state's Tax Relief program provides a property tax rebate for qualifying low-income homeowners age 65 and older, administered through the Wilson County Trustee's office. Buyers should confirm current assessed value, tax rate, and eligibility for any tax relief programs directly with the Wilson County Trustee and Assessor of Property.

Community Layout & Lifestyle

Cottages of Providence offers a settled, low-maintenance duplex lifestyle with step-less entries and private patios, set within the larger, mature Providence master-planned development's lakes, ponds, and trail network. Its smaller scale and lack of a dedicated large-scale recreation center give it a quieter, more neighborhood-focused character than the resort-style clubhouse communities elsewhere in Wilson County, appealing to buyers who prioritize walkable access to Providence Marketplace over extensive on-site programming.

Shopping, Healthcare & Airport Access

Cottages of Providence is located on Boxcroft Circle and Boxcroft Court off Belinda Parkway in Mount Juliet, Tennessee, near the Providence Marketplace shopping and dining district, roughly 18 miles east of downtown Nashville via Interstate 40. The location offers walkable access to retail and dining, with Nashville's fuller range of healthcare, cultural venues, and airport access within a roughly 30-minute drive via I-40.

Age Qualification & Material Ownership Restrictions

Cottages of Providence is confirmed by multiple independent sources as an age-restricted 55-and-older neighborhood, consistent with the federal Housing for Older Persons Act (HOPA) framework requiring at least one resident per household to be 55 or older. This age restriction applies to the Cottages section specifically; the broader Providence master-planned development also includes non-age-restricted neighborhoods, so buyers should confirm which section and HOA a specific home falls under directly with the Providence HOA of Mt. Juliet.

Tradeoffs & Limitations

Because Cottages of Providence is a smaller, 116-home community fully built out over roughly two decades within the broader Providence development, buyers should expect a limited resale inventory at any given time and should confirm current listing availability with a local agent rather than assume year-round supply. Current HOA fee figures could not be independently confirmed, so buyers should treat any fee estimates as unconfirmed until verified directly with the HOA. The community does not have its own dedicated recreation center separate from the broader Providence development's shared amenities, so buyers should clarify which amenities are exclusive to the Cottages versus shared with the larger, non-age-restricted Providence neighborhood.

Comparison With Nearby Communities

Within the Wilson County 55+ cluster, Cottages of Providence offers the most walkable, retail-adjacent location of the group, positioned near Providence Marketplace, in contrast to the larger, more amenity-heavy Del Webb Lake Providence and the newer, larger-scale Del Webb at Barton Village and Bradshaw Farms Reserve. Buyers who prioritize walkability and a smaller, quieter neighborhood over resort-style amenities should focus on the Cottages, while buyers wanting a dedicated large clubhouse and extensive trail network may prefer Del Webb Lake Providence.

Current Listings

A connected local agent can provide current available resale inventory, recent closed comparables, and current HOA fee and reserve-fund details at Cottages of Providence.

Is Cottages of Providence legally age-restricted?

Yes. Multiple independent sources confirm it as an age-restricted 55-and-older neighborhood, consistent with the federal HOPA framework. It sits within the larger, non-age-restricted Providence master-planned development, so confirm which section a specific home falls under with the HOA.

Is Cottages of Providence a rental or assisted living facility?

No. It is consistently described as a for-sale neighborhood of individually owned attached homes. One senior-housing directory categorizes it under 'Assisted Living,' which is treated as a taxonomy error rather than an accurate description.

How many homes are in Cottages of Providence?

116 attached single-story duplex homes across five floor plans, built by Rochford Realty and Construction Company as part of the broader Providence master plan.

What is the HOA fee at Cottages of Providence?

A specific, current HOA fee has not been independently confirmed. Buyers should request the current fee and what it covers directly from the Providence HOA of Mt. Juliet or its management company.