Groves Reserve is a smaller-scale 55+ community in Mount Juliet — approximately 200 homes compared to Del Webb Lake Providence's 1,029. The scale difference is the defining feature and the primary reason to consider or reject it.
At Groves Reserve, the HOA runs $120–$175 per month vs $185–$225 at Del Webb Lake Providence — a savings of $600–$1,200 per year. The Wilson County location puts it in the same tax jurisdiction as Lake Providence with the same $63,470 freeze income threshold and the same 20-minute BNA airport proximity. What you give up: the 24,000 sq ft clubhouse, the 15-acre lake, the indoor pool, the indoor walking track, and the 80+ organized clubs that come with Lake Providence's scale.
Because Groves Reserve is in Wilson County — the same county as Del Webb Lake Providence — the tax math is essentially identical at a comparable home value. Same effective rate (0.55–0.65%), same freeze income limit ($63,470), same city of Mount Juliet property tax freeze coverage that was adopted in 2025. A buyer choosing Groves Reserve over Lake Providence is not sacrificing anything on the tax side — only on the amenity scale.
This means Groves Reserve is genuinely worth evaluating for buyers who find the Del Webb community size and social programming intensity to be too much, whose retirement vision is quieter and more self-directed, and who would rather keep the $600–$1,200 per year in HOA savings than pay for a clubhouse they will not use.
| Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$120–$175/mo | ~$1,440–$2,100/yr | Lowest HOA in Mount Juliet 55+ market — verify current rate |
| Wilson County property tax | ~$197–$234/mo | ~$2,365–$2,795/yr | Same county and rates as Del Webb Lake Providence |
| Homeowners insurance | ~$125–$205/mo | ~$1,500–$2,460/yr | Mount Juliet inland Tennessee |
| Utilities | ~$200–$300/mo | ~$2,400–$3,600/yr | TVA rates |
| State income tax | $0 | $0 | Tennessee — zero |
| TOTAL (ex-mortgage) | ~$7,705–$10,955/yr | Lowest HOA-anchored cost in Mount Juliet |
Groves Reserve has an onsite putting green — a casual amenity that golfers appreciate without the cost or commitment of a full course. No other Nashville 55+ community includes this. For buyers who want to putt without driving to a golf course, it is a small but real differentiator.
The outdoor amenity focus — fire pits, grilling areas, putting green, walking paths — reflects a community philosophy that is more residential and less programmed than Del Webb. Buyers who liked the idea of a 55+ community but were overwhelmed by the social obligation culture of large Del Webb communities often find Groves Reserve's quieter register more comfortable.
We can run your full cost analysis and county tax comparison before you visit.
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