CrossRidge vs. Mosaic at West Creek
Richmond's two most-researched 55+ communities — same metro, different county, different builder, different cost structure. Here is the full picture.
CrossRidge in Glen Allen and Mosaic at West Creek in Goochland County are the two communities Richmond buyers compare most often. Both offer resort-style amenities in the $400s–$800s range. The property tax difference alone is worth $17,000 over 10 years on the same home value. And the HOA coverage structure is the opposite of what most buyers expect when they see CrossRidge's higher monthly fee.
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| Factor | CrossRidge | Mosaic at West Creek |
|---|---|---|
| County | Henrico | Goochland |
| Property tax rate | $0.87 per $100 | $0.53 per $100 |
| Annual tax on $500K home | ~$4,350 | ~$2,650 |
| Community size | 746 homes | 471 homes (active building) |
| Builder / Status | Established resale | StyleCraft, new construction |
| HOA fee estimate | ~$380–$450/mo | ~$250–$310/mo |
| Exterior maintenance (HOA) | Yes — roof, siding, gutters | No — lawn only |
| HOA structure | Two-tier (master + sub) | Single HOA |
| Price range | $300s–$600s (resale) | $400s–$800s (new construction) |
| Indoor pool | Yes | Yes |
| Walkable retail | Yes (Publix) | Limited |
| 24-hr gated security | Yes — staffed gatehouse | No staffed gate |
The Property Tax Math
The HOA Coverage Reversal
CrossRidge's higher HOA fee covers significantly more than Mosaic's lower fee. CrossRidge's HOA includes roof replacement, siding, gutters, and exterior painting. At Mosaic, the HOA covers lawn care. You own the exterior of your home.
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10-Year True Cost: $500K Home
Which One Fits You?
CrossRidge is the better fit if:
- You want walkable retail and do not want to drive for groceries
- 24-hour gated security matters to you
- You want zero exposure to exterior maintenance costs
- You prefer an established community with existing social fabric
Mosaic at West Creek is the better fit if:
- Minimizing property taxes long-term is a priority
- You want new construction and the ability to choose finishes
- You are comfortable handling your own exterior maintenance
- You prefer Goochland's lower density and more rural character
Want Help Deciding Between These Two?
We can connect you with a Richmond agent who has sold in both communities and knows the nuances firsthand.
Talk to a Richmond SpecialistRelated Research
- CrossRidge — Full Community Page
- Mosaic at West Creek — Full Community Page
- CrossRidge: What Nobody Tells You
- Property Tax Deep Dive: All Five Counties
- Richmond VA 55+ True Cost Guide
- Richmond VA 55+ Communities Hub
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