Carter Ranch, Celina

Carter Ranch is an established resale neighborhood in south Celina, with listed homes built around 2015 to 2018 and phases that run from Phase II through Phase V. 2026 listings ranged from $429,000 for a 2,855 square foot home to $599,000 for a 4,021 square foot home, with HOA dues listed at about $200 per quarter, and amenities include a community pool, clubhouse, splash park, playgrounds, trails and a catch-and-release fishing lake. It fits buyers who want a finished neighborhood with mature landscaping and Celina ISD schools instead of a construction zone.

The lesson here is the tax side. One 2026 Carter Ranch listing advertised no PID and no MUD taxes, which can lower the monthly payment compared with a similar new home in a master plan that carries an assessment. When I help a buyer choose between Carter Ranch and new construction, I compare the full payment, not the price, and sellers here should make that difference clear in their listing because it is a real selling point when it applies to the address.