on August 19, 2026
In this home tour, I walked through the Cambridge floor plan by Highland Homes in Mosaic Celina TX. This home was still about four to six weeks from completion when I toured it, but it already showed why Highland Homes is such a popular builder in North Texas.
The home offers approximately 3,200 square feet, five bedrooms, five bathrooms, multiple living spaces, a media room, oversized kitchen and a downstairs primary suite. At the time of the tour, this particular home was listed around $759,000.
But when considering a home in Mosaic, the house itself is only part of the equation.
Location, HOA dues, the PID, amenities and your total monthly ownership cost all matter.
I’m Jake Inderman, a Celina TX Realtor helping relocation buyers compare new construction, builders and communities throughout Celina, Prosper and Frisco.
Here’s what you should know about this Highland Homes floor plan and living in Mosaic Celina TX.
**Watch the full video here: https://youtu.be/jWYAyQT1gF4
One of Mosaic’s biggest advantages is its location.
The community is located less than five minutes from the Dallas North Tollway, giving residents relatively easy access south toward Prosper, Frisco, Plano and Dallas.
That’s important when comparing Mosaic with communities farther north in Celina.
You still get the benefits of living in one of Celina’s newer developments without being as dependent on smaller local roads for your entire commute.
During my tour, I estimated Dallas at roughly 45 minutes to an hour, depending on traffic and destination.
As always, I’d recommend testing your actual commute during the hours you’ll be driving it.
Celina is a large and rapidly developing city.
Two homes with a Celina address can have significantly different commute times.
That’s why I wouldn’t choose a Celina neighborhood based solely on the home.
You should compare:
For someone regularly traveling south, Mosaic’s Tollway access could be a major advantage.
The home featured in this tour was built by Highland Homes.
One thing I consistently notice with Highland is the attention to finishes.
Even in secondary bathrooms, you’re often seeing more interesting tile patterns and design selections rather than the most basic finishes available.
The Cambridge home I toured continued that trend.
Of course, individual upgrades and selections vary by home.
If you’re building from the ground up, always distinguish between what’s standard and what’s an upgrade.
The Cambridge floor plan uses its approximately 3,200 square feet extremely well.
The final configuration discussed during my walkthrough included:
That’s a lot of functionality without pushing the home into an enormous footprint.
Toward the front of the home is a secondary bedroom with access to a full bathroom.
Because it has a closet, it can function as a true bedroom.
But depending on your needs, it could also work as a dedicated office.
That’s especially useful for relocation buyers whose needs may change over time.
Maybe you work from home today.
Later, you may need another bedroom.
Having a room capable of serving either purpose gives you flexibility.
The kitchen is one of the biggest highlights.
The island is large enough that I estimated you could potentially fit five or six barstools around it.
You also have:
For someone who entertains frequently, this layout makes a lot of sense.
Before entering the main kitchen, there’s another small area that could serve several purposes.
You could turn it into a:
This is one of those small design decisions that makes the home more functional.
Instead of putting your air fryer, Crock-Pot or coffee maker on the main kitchen countertops, you have somewhere else to keep them.
The pantry is substantial.
As I mentioned during the tour, once you start getting into higher North Texas price points, this is one area where you often notice the difference.
You tend to get larger kitchens, more cabinets and considerably more pantry storage.
If you’re relocating from a home where kitchen storage has been an issue, this floor plan provides plenty.
The home also used different finishes between the upper and lower cabinetry.
That creates a more customized look than having every cabinet finished identically.
One upgrade I’d personally consider would be extending the cabinetry all the way to the ceiling.
That can make the kitchen feel even more upscale while eliminating the open space above the cabinets where dust tends to collect.
Again, that’s personal preference rather than a necessity.
The living room is probably one of the biggest visual selling points.
The fireplace extends dramatically upward toward ceilings I estimated at approximately 18 to 20 feet.
That vertical space makes the downstairs feel much larger.
The kitchen, dining and living spaces also flow together, giving you an open layout without making every part of the downstairs feel like one giant undefined room.
The fireplace is the centerpiece.
Instead of stopping at normal ceiling height, the fireplace treatment continues upward into the two-story living area.
From upstairs, you can look down into the main living space and see the entire fireplace.
If you like dramatic architectural features, this is one of the strongest parts of the Cambridge floor plan.
The home also includes a dedicated media room directly off the main living and kitchen areas.
I actually like this placement.
If you’re watching a football game, movie or TV show, you’re only a few steps from the kitchen.
The room also includes a small game/storage closet.
You could use this room as a:
For a larger household, having multiple areas where people can spread out is extremely useful.
The primary bedroom is downstairs and has enough room to create a separate sitting area.
That could become:
For buyers who specifically want their primary suite on the first floor, this floor plan checks that box.
The primary bathroom includes:
Having both a tub and separate shower continues to be important for many buyers, particularly in this price range.
The vanity area also provides dedicated space between the sinks rather than forcing everything onto one countertop.
The primary closet provides a good amount of usable storage.
Because this home was still under construction during the tour, some finishing work remained.
That’s important to remember whenever you’re touring an unfinished new-construction home.
Try to evaluate the layout and finished vision rather than getting distracted by temporary construction details.
The backyard includes a covered patio and gas-line hookup, which is useful if you want an outdoor grill or cooking setup.
There’s also usable backyard space for:
The specific lot will obviously determine how much backyard space you actually get.
If outdoor space matters to you, choose the lot as carefully as you choose the floor plan.
One concern buyers sometimes have is moving into a neighborhood that’s still actively being built.
Yes, you’ll have construction activity around you.
There may be workers, trucks, equipment and homes at various stages of completion.
During my tour, there was active construction occurring nearby, but the overall noise level wasn’t excessive.
Still, this is something to consider.
If you absolutely don’t want to live around construction, a more established neighborhood may be a better fit.
Upstairs, you get another substantial living area.
This is where the floor plan becomes particularly useful for a larger household.
The upstairs game room could accommodate:
You also have an additional game/storage closet nearby.
That means the media room downstairs and game room upstairs can serve completely different purposes.
The upstairs bedrooms provide different layouts and levels of bathroom access.
Several of the bedrooms benefit from bathrooms immediately connected or positioned nearby.
During the tour, I also pointed out USB and USB-C outlets incorporated into the bedrooms.
That’s a small feature, but it’s useful for kids, guests or anyone charging phones, tablets and laptops.
The secondary bathrooms continue some of the upgraded design feel found throughout the home.
Instead of basic square tile everywhere, Highland incorporated more distinctive patterns in several bathrooms.
Again, exact selections will vary by home.
But these are the small design details that can make a new-construction home feel less generic.
The home also has additional storage and attic access upstairs.
Storage isn’t the most exciting feature when touring a house, but it’s something buyers often appreciate considerably more after moving in.
Holiday decorations, luggage, seasonal items and everything else need somewhere to go.
Having dedicated storage outside the bedrooms and garage can help keep the rest of the house organized.
Now let’s talk about something considerably more important than the countertops:
Mosaic has a PID.
During my tour, I discussed the combined MUD/PID-related costs as potentially being approximately $5,000-$7,000 per year, depending on factors such as the lot and home.
That’s significant.
At $5,000-$7,000 annually, you’re potentially talking about roughly $400-$600 per month in additional cost.
That should absolutely be part of your home-buying calculation.
PID stands for Public Improvement District.
These districts are commonly used in developing Texas communities to help finance public improvements and infrastructure.
The specific structure can vary by community and property.
For buyers, the most important point isn’t memorizing the definition.
It’s understanding:
How much am I actually paying every year?
During my tour, I noted that the assessment could potentially be paid off.
However, buyers should verify the exact payoff amount, terms and assessments associated with the specific property they’re considering.
Don’t assume every home has an identical balance.
This is another reason two homes within the same community can have different ownership costs.
An additional $5,000-$7,000 per year sounds substantial because it is.
But I wouldn’t automatically eliminate Mosaic because of it.
Instead, compare what you’re receiving in exchange.
Mosaic offers a desirable Celina location with very quick access to the Dallas North Tollway.
Another community may have a lower tax or assessment burden but put you considerably farther from the Tollway.
If the location saves you meaningful commute time every week, that matters too.
The goal is to compare the complete value proposition.
The transcript references an HOA figure of $1,776, although it appears to say “per month” during the tour.
Because that wording may be a transcription or spoken error, I would verify the current HOA dues directly before using that figure in a purchase decision.
That’s an important rule for any new-construction community.
HOA dues, builder incentives, PID balances and assessments can change.
Always verify the specific property.
During the tour, I ultimately identified the home as approximately 3,200 square feet with five bedrooms and five bathrooms, listed around $759,000 at that time.
The price is especially interesting when you consider the amount of functionality:
Five bedrooms.
Five bathrooms.
Media room.
Game room.
Large kitchen.
Downstairs primary.
Multiple ensuite-style bedroom arrangements.
And you’re still around 3,200 square feet.
That’s an efficient use of space.
If you’re reading this months after the original tour, don’t assume the price is still $759,000.
New-construction pricing can change quickly based on:
That’s why I focus more on understanding what a community and builder offer than memorizing one home’s price.
If you’re considering Mosaic, I’d also compare it with other Celina communities such as:
But don’t simply ask:
Which community is best?
Compare them across the factors that actually affect your lifestyle.
I’d look at:
Location: How quickly can you reach the Tollway?
Home: Which builder and floor plan fit you?
Lot: How much outdoor space do you need?
Taxes: What’s the effective property-tax rate?
PID/MUD: What additional assessments apply?
HOA: What are the annual dues?
Amenities: Will you actually use them?
Commute: Where do you work?
Schools: What district and current campuses serve the property?
That’s a much better way to choose a community.
Legacy Hills is farther north in Celina and can offer very compelling home prices.
Mosaic’s location closer to the Dallas North Tollway may be more attractive to buyers who regularly travel south.
That creates a fairly simple tradeoff:
How much are you willing to pay for location?
A less expensive home farther north isn’t necessarily a better deal if it adds significant time to your commute.
Light Farms is a much more established Celina master-planned community with extensive existing amenities.
Mosaic is newer and provides a different development experience.
If you want something more established today, Light Farms deserves consideration.
If you like getting into a newer community earlier in its development cycle and value Mosaic’s location, Mosaic may be more appealing.
Mosaic could be a strong fit if you:
For those buyers, Mosaic has a lot going for it.
I’d compare other options if you:
Again, there’s no universally “best” Celina neighborhood.
Mosaic is located in Celina, Texas, with the community discussed in my tour being less than five minutes from the Dallas North Tollway.
This particular home was built by Highland Homes.
The home featured was the Cambridge floor plan.
The home discussed during the tour was approximately 3,200 square feet.
The final configuration discussed in the tour had five bedrooms and five bathrooms.
Yes. The primary suite is located downstairs.
Yes. There is a dedicated media room downstairs and an additional game/living area upstairs.
Yes. A PID was specifically discussed during the tour.
The tour discussed combined MUD/PID-related costs potentially ranging around $5,000-$7,000 annually, depending on factors such as the lot and home. Buyers should verify the exact current assessments for an individual property.
During my tour, I estimated approximately 45 minutes to an hour depending on traffic and the specific Dallas destination.
Yes. I referenced the community as being less than five minutes from the Tollway during the tour.
Mosaic has a compelling combination of new construction and location.
The Highland Homes Cambridge floor plan featured in this tour gives you approximately 3,200 square feet, five bedrooms, five bathrooms, a downstairs primary suite, media room, game room, huge kitchen and dramatic two-story living space.
But the biggest consideration isn’t whether the house is nice.
It clearly is.
The question is whether Mosaic’s total cost makes sense for you.
The PID and other potential assessments can add thousands of dollars per year.
Compare that cost with what you’re getting:
A newer master-planned community.
Highland Homes construction.
Quick access to the Dallas North Tollway.
And a location that may make traveling south considerably easier than living farther north in Celina.
For some buyers, that’s absolutely worth it.
For others, moving farther north and putting that additional monthly expense toward the house itself may make more sense.
That’s why you shouldn’t choose a Celina community based on home price alone.
Look at the home, taxes, assessments, HOA, commute and lifestyle together.
I’m Jake Inderman, a Celina TX Realtor helping relocation buyers compare Mosaic and other master-planned communities throughout Celina, Prosper and Frisco.
If you’re moving in the next 9 days or 9 months, my team and I can help you compare builders, new-construction inventory, PID/MUD assessments, taxes, HOA costs, lot sizes and commute times before deciding which North Texas community makes the most sense for you.
Jake Inderman | Celina TX Realtor
Call/Text: 469-343-2008
Email: jake.inderman@gmail.com