on August 19, 2026
Mosaic is a newer 760-acre master-planned community in Celina, Texas, designed around walkability, outdoor spaces and a more connected neighborhood lifestyle. At the time of my tour, buyers could find everything from townhomes in the $300Ks to larger luxury homes approaching and exceeding $1 million.
But there’s an important distinction buyers need to understand:
Mosaic is still developing.
Some of the community’s biggest amenities and future phases aren’t completed yet. You’re buying into both what exists today and what is planned for the future.
I’m Jake Inderman, a Celina TX Realtor helping relocation buyers compare communities throughout Celina, Prosper and Frisco.
Here’s what you should know before buying in Mosaic.
**Watch the full video here: https://youtu.be/KUD3ZGCxDeg
Mosaic is located off County Road 97 in Celina with access toward Preston Road and the Dallas North Tollway corridor.
That location is one of the reasons I think Mosaic is particularly interesting for relocation buyers.
You’re far enough north to get more of the open, small-town Celina environment, but you’re still relatively close to Prosper and Frisco.
During my tour, approximate drive times discussed were:
Traffic can dramatically change those times, especially during rush hour, so always map your actual commute before choosing a community.
There are a lot of new master-planned communities being developed throughout Celina.
Mosaic’s biggest differentiator may be its emphasis on green space and connectivity.
The community is planned with more than 100 acres of green space and over 8 miles of walking trails connecting different portions of the neighborhood.
Rather than simply adding sidewalks beside streets, the goal is to connect parks, amenity centers, lakes and greenbelts throughout the development.
For buyers who spend a lot of time outdoors, that’s worth paying attention to.
Mosaic is planned to have an extensive amenity package.
Features discussed during my tour include:
There’s one major caveat.
Not all of these amenities were completed at the time of my tour.
That’s something I’d factor heavily into your decision.
When you’re buying in a newer master-planned community, it’s easy to get excited about renderings.
But there’s a big difference between an amenity you can use this Saturday and something scheduled for a future phase.
Before purchasing, I’d want to know:
What’s completed today?
What’s currently under construction?
What’s funded and scheduled?
What’s simply part of the long-term plan?
Mosaic has an ambitious vision, but buyers should understand exactly what exists when they’re making their purchase.
One of my favorite aspects of Mosaic is the amount of planned green space.
More than 100 acres are intended for green space, and the community incorporates natural grasses and landscaping to create a less densely developed feeling.
That’s increasingly important as North Texas grows.
Many buyers moving here want new construction but don’t necessarily want to feel surrounded entirely by rooftops and concrete.
Mosaic is trying to create a balance between the two.
The community also includes multiple lakes.
During my tour, these were discussed as stocked lakes where residents could potentially fish, along with viewing decks, trails and other water features.
For someone who enjoys walking, fishing or simply having water and green space nearby, this can make the neighborhood feel substantially different from a traditional subdivision.
Mosaic is planned with more than eight miles of trails.
The goal is to connect the different parts of the neighborhood so residents can reach parks, amenity areas and greenbelts without constantly crossing major roads.
For households with children or anyone who regularly walks, runs or bikes, that’s a meaningful lifestyle feature.
Again, portions of the trail network were still developing when I filmed the community.
One of Mosaic’s strengths is the range of builders and housing types.
Builders discussed during my tour included:
At the time, American Legend and Toll Brothers were associated with future phases rather than currently available sections.
That builder diversity gives buyers a much broader range of products than a neighborhood dominated by one or two builders.
At the lower end of the price range, Mosaic includes townhomes.
During my tour, Cadence townhomes were discussed as starting in the $300K range, with townhome options generally ranging through the $400Ks.
That creates an interesting entry point into a master-planned Celina community.
You can potentially buy into the same broader neighborhood lifestyle without purchasing a large detached house.
Single-family homes discussed during the tour started around the mid-$400Ks and extended into approximately the mid-$800Ks depending on the builder, floor plan, lot and upgrades.
That creates options for buyers wanting:
It’s one of the reasons Mosaic can appeal to a fairly broad range of buyers.
Future phases were also discussed as bringing larger luxury homes and lots, with pricing beginning around the $900Ks and potentially extending well above $1 million.
That gives Mosaic an interesting long-term housing mix.
Instead of being exclusively entry-level or exclusively luxury, the community is designed to accommodate several price categories.
Another feature I noticed while touring Mosaic was the amount of space between some homes.
You’re not limited exclusively to extremely narrow 40-foot homesites.
Depending on the section and builder, buyers can find larger lots and luxury options.
If backyard space matters to you, don’t simply search by floor plan.
Start with the lot.
You can change flooring, countertops and paint.
You can’t make your homesite wider after closing.
At the time of filming, HOA dues were discussed as approximately $900–$1,200 per year, depending on the property or section.
Those dues help maintain community features such as common areas, landscaping, trails, lakes and amenities.
Because Mosaic is a large development with multiple housing types and phases, I’d verify the exact HOA amount associated with the specific property you’re considering.
This is one of the most important numbers for buyers.
During my tour, I discussed property tax rates in Mosaic generally falling around 2.7%–2.9%, depending on the property and builder.
That’s a meaningful tax rate.
And one reason it’s higher is Mosaic’s PID.
Yes, the community was discussed during my tour as being within a PID, or Public Improvement District.
A PID can be used to fund infrastructure and improvements associated with developing an area.
For buyers, what matters is how that assessment affects the specific home’s annual cost.
Don’t simply ask:
“Does Mosaic have a PID?”
Ask:
“What is the remaining PID obligation on this exact property, and how does it affect my payment?”
As discussed during my tour, the PID obligation can potentially be paid off, which could reduce the ongoing tax burden associated with that assessment.
This can become particularly interesting when you’re buying a resale.
Depending on the remaining balance and transaction, there may be situations where the payoff becomes part of negotiations.
The exact terms vary by property, so buyers need the actual documentation before making assumptions.
Suppose you’re comparing a Mosaic home with another Celina home that has a lower tax rate.
The Mosaic home might have a lower purchase price.
Which one is actually cheaper?
You can’t know from the listing prices alone.
Calculate:
Mortgage + property taxes + PID/MUD + HOA + insurance
That’s the number I’d use to compare communities.
A $500,000 home with a higher tax rate could have a surprisingly similar monthly payment to a more expensive home with lower taxes.
Mosaic was discussed during my tour as being within Celina ISD.
The schools mentioned at the time were:
Celina continues growing quickly, so school boundaries can change.
Always verify the attendance zones for the exact address you’re considering directly with the school district.
One of the biggest reasons buyers choose Celina instead of moving farther south is lifestyle.
Celina still offers more of a small-town environment than many established DFW suburbs.
Downtown Celina Square hosts community events, festivals and seasonal activities throughout the year.
Mosaic gives you access to that atmosphere while still being positioned relatively close to Prosper and Frisco.
Downtown Celina was discussed as approximately eight minutes away from Mosaic.
That’s close enough that the Square can realistically become part of your normal routine rather than somewhere you visit once or twice a year.
The community events and locally oriented atmosphere are part of what separates Celina from more densely developed suburbs.
Convenience around Celina continues changing as the area grows.
Shopping and dining options discussed during my tour included access toward:
The important thing for relocation buyers to understand is that this part of North Texas is still developing.
The convenience you experience five years from now could look very different from what exists today.
Mosaic was discussed as roughly 20 minutes from PGA Frisco and Fields, depending on traffic.
That’s a significant advantage compared with communities considerably farther north.
The Tollway corridor continues to attract residential, commercial and entertainment development, and Mosaic is positioned within reach of that growth.
It’s tempting to assume all this surrounding development means home values will automatically increase.
That’s not something anyone can guarantee.
Growth can support housing demand, but future property values depend on many factors:
I’d choose Mosaic because the community, home and location work for your lifestyle today—not solely because you’re expecting a certain appreciation rate.
Based on the design and community features I toured, Mosaic is aimed at buyers who want a more connected neighborhood experience.
Think:
Walking to the pond.
Taking bikes to the park.
Using neighborhood trails.
Going to community events.
Meeting neighbors around shared amenities.
Spending time outside rather than simply driving into your garage and staying inside.
If that sounds appealing, Mosaic’s design makes a lot of sense.
For me, the strongest reasons to consider Mosaic are:
Location.
You’re relatively close to Prosper, Frisco and the Tollway corridor.
Housing variety.
Townhomes through luxury properties create options across multiple budgets.
Outdoor space.
More than 100 acres of planned green space and 8+ miles of trails are significant.
Builders.
You have multiple respected builders rather than one dominant option.
Lifestyle.
The neighborhood is being designed around connectivity and outdoor recreation.
Future development.
There’s still substantial development ahead.
There are tradeoffs.
The approximately 2.7%–2.9% rates discussed during my tour are meaningful.
Buyers need to understand the additional assessment attached to the specific property.
You’re buying into a community that’s still developing.
New phases mean you’ll likely experience continued building activity.
Some of what makes Mosaic exciting exists on the development plan rather than physically today.
None of these automatically make Mosaic a bad choice.
They simply need to fit your expectations.
If you’re considering Mosaic, I’d strongly recommend comparing it with Light Farms.
Light Farms is much more established.
Its major amenities are already built, landscaping is more mature and buyers can see much more of the finished community today.
Mosaic is newer.
Ramble is another newer Celina master-planned community worth comparing.
Both offer newer homes, multiple builders and significant future amenities.
The decision will likely come down to:
Location
Tax structure
Builder
Lot size
Current incentives
Which amenities matter to you
Rather than deciding that one community is universally better, I’d compare actual homes within your budget.
Legacy Hills gives buyers another option if they’re prioritizing value and new construction.
But location becomes increasingly important.
Legacy Hills sits farther north, while Mosaic provides relatively convenient access toward Prosper and Frisco.
For someone commuting south regularly, that difference can matter.
For a remote worker, it may be far less important.
I’d put Mosaic high on your list if you want:
It’s particularly interesting for buyers who want Celina’s smaller-town feel without moving significantly farther north.
I’d compare other options if you:
If those things describe you, Light Farms or another established neighborhood may fit better.
Mosaic is a newer master-planned community in Celina near County Road 97 with access toward Preston Road and the Dallas North Tollway corridor.
Mosaic was discussed during my tour as approximately 760 acres.
At the time of filming, townhomes were discussed in the $300Ks–$400Ks, single-family homes from roughly the mid-$400Ks into the mid-$800Ks, with future luxury options starting around $900K and extending higher.
Builders discussed included Highland Homes, David Weekley Homes, Cadence Homes, American Legend Homes and Toll Brothers. Some builders were associated with future phases at the time of filming.
The community plans discussed included a resort-style pool, cabanas, pickleball, fitness facilities, event spaces, lakes, trails, parks and more than 100 acres of green space. Not everything was completed at the time of filming.
HOA dues discussed during my tour were approximately $900–$1,200 per year, depending on the property or section.
Rates discussed during the tour generally ranged from approximately 2.7%–2.9% depending on the property. Buyers should verify the exact current tax rate before purchasing.
Yes. Mosaic was discussed as being within a Public Improvement District. Buyers should review the specific PID obligation associated with the property they’re considering.
The community was discussed as being within Celina ISD, with O’Dell Elementary, Moore Middle School and Celina High School mentioned during the tour. Verify current zoning for the specific property.
For the right buyer, Mosaic is one of the more interesting newer communities in Celina.
The combination of location, multiple builders, different housing types, more than 100 acres of planned green space and 8+ miles of trails gives it a compelling long-term vision.
But I wouldn’t buy here without understanding the tradeoffs.
The community is still developing.
The tax rate can be relatively high.
There’s a PID.
And some of the amenities you’re excited about may still be planned rather than completed.
So don’t compare Mosaic with another community based solely on which model home you like best.
Compare:
The total monthly payment.
The commute.
The lot.
What’s built today.
What’s still planned.
And how you actually want to live.
That’s how I’d determine whether Mosaic is the right Celina community for you.
I’m Jake Inderman, a Celina TX Realtor helping relocation buyers compare Mosaic and other communities throughout Celina, Prosper and Frisco.
Whether you’re 9 days or 9 months away from moving to North Texas, my team and I can help you compare builders, floor plans, lots, taxes, PID/MUD assessments, HOA costs, amenities and commute routes.
If you’re relocating from out of state, we can also help narrow down communities before you arrive and arrange virtual or FaceTime tours.
Jake Inderman | Celina TX Realtor
Call/Text: 469-343-2008
Email: jake.inderman@gmail.com