Lahontan, Schaffer's Mill, Gray's Crossing and Tahoe Donner compared on setting, club structure and the full cost to own, with a cost explorer you can set to your own household.
All four sit minutes from downtown Truckee. What separates them is what the address actually buys you.
A $6,500 HOA covers the community. The club is a separate purchase: a $350,000 golf equity membership or a $70,000 social initiation, each with its own dues. Golf is capped at 350 members.
A $11,084 Sports/Social membership folds the master HOA together with every non-golf amenity. Golf adds a $35,000 entry and $6,851 a year. Townhomes add a sub-association that handles the exterior.
The HOA runs about $250 a month. Amenities belong to Tahoe Mountain Club, which is optional and open to non-residents: $18,000 to join and $9,655 a year, or $30,600 and $14,482 with unlimited golf.
A $3,621 annual assessment covers the association's private amenities with four member cards. Golf, downhill and cross-country are priced separately at member rates. You maintain your own home.
Tell Eric how you want to live in Truckee and he'll point you to the community, and the homes, that fit.
Book a Call to Find Your Truckee HomePrivacy, acreage and a capped golf roster behind a 24-hour gatehouse.
Lahontan is the estate option. Nine hundred six acres hold 509 homesites, with parcels running from half an acre to nearly two, and most homes are custom builds set well apart from their neighbors. Golf is the center of club life: a Tom Weiskopf championship course, a nine-hole par 3, a caddie program and an equity membership capped at 350. Quiet does not mean sleepy, though. The club runs a full tournament calendar, Friday member gatherings, summer concerts and Camp Lahontan for kids.
The two tiers are alternatives, not additive: a golf member receives every social amenity and does not also pay the social initiation. Social covers the clubhouse and dining, pool, fitness, racquet sports and family programming. Golf adds both courses, the practice facilities, the caddie program and locker rooms.
Lock-and-leave inside a gated club community, with the social membership already on the keys.
Schaffer's Mill is the smallest of Truckee's gated golf communities, and roughly half of it is townhome product. That is the appeal for a buyer who wants the club, the gate and the year-round Northstar shuttle without owning a roof and a snow-load problem. The club has leaned into family programming and community events, and townhome owners are among the people using it most.
All members get the fitness center, restaurants, tennis, the pool, private year-round shuttles to Northstar and Basecamp Lodge at the resort. Kids camps, concerts on the Square, movies under the stars and holiday celebrations fill the calendar. Golf members add unlimited play for the whole family, including children up to age 25.
Mountain modern, minutes from downtown, with a lean HOA and an optional club.
Gray's Crossing is the golf community for buyers who want to be near town: about 750 acres in north Truckee, 500 of them open space, with contemporary architecture and a lean association. Amenities belong to Tahoe Mountain Club, which runs the Peter Jacobsen course here and the Jack Nicklaus course at Old Greenwood, the Pavilion, the Gray's Crossing swim and fitness center, and the Alpine Club and Schaffer's Camp at Northstar.
Contemporary homes on 0.32 – 0.93 acre lots across five neighborhoods. Owners carry the HOA, about $250 a month, and handle their own exterior and snow. Mello-Roos runs about $4,300 a year on a recent listing.
A separate townhome community of about 24 homes with its own clubhouse, pool and fitness center. Four-bedroom townhomes have listed around $2.3M to $2.4M. Owners pay the Village HOA, averaging $1,107 a month, plus Mello-Roos of $2,728.18 a year.
One assessment, no club, and one of the deepest amenity lineups of any association in the region.
Tahoe Donner is a 7,300-acre association of roughly 6,500 properties above downtown Truckee, with its own downhill ski area, a cross-country center, an 18-hole golf course, an equestrian center, a campground and a private beach and marina on Donner Lake. Homes range from original 1970s cabins to new mountain-modern builds, often on the same street. You get a lot of amenity for the dollar, in a neighborhood you maintain yourself.
Trout Creek Recreation Center, Northwoods pool, the Tennis + Pickleball Center and the Beach Club Marina are included with an active member card; the daily access and annual recreation fees were eliminated in 2026. Golf, downhill, cross-country, equestrian and the campground are open to the public and priced separately, with members booking earlier and paying less.
Pick golf or not, single-family or townhome, and how long you plan to own. Totals include joining fees and annual dues.
Which party pays a transfer fee is set in the purchase contract.
Eric can price out any listing, all in: dues, club, taxes and closing costs.
Book a Call to Find Your Truckee Home| Lahontan | Schaffer's Mill | Gray's Crossing | Tahoe Donner |
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A quick call is the fastest way to narrow four communities down to the right one.
Book a Call to Find Your Truckee HomeLahontan. HOA, dues and initiation figures are from the 2026 fact sheet, with golf equity pricing confirmed directly with the club in July 2026. Season dates are from the club's 2025 materials. A ski shuttle to Northstar may have been recently added; confirm with the club.
Schaffer's Mill. Membership figures are from the 2026 Field Guide. Sports/Social dues include the master HOA assessment. Mountain Lodge townhome dues apply to that neighborhood only; other sub-associations differ.
Gray's Crossing. The single-family HOA is about $250 a month. A recent single-family listing shows annual Mello-Roos of $4,309.24 and a private transfer fee of 1.75% of the final sale price. At The Village at Gray's Crossing, owners pay both the Village HOA, averaging $1,107 a month, and current Mello-Roos of $2,728.18 a year. Tahoe Mountain Club figures are from the club's 2026 Family and Couples membership sheets, shown at the Family rate. In the explorer, Village townhome totals use the Village HOA in place of the single-family HOA, and Mello-Roos is not included.
Tahoe Donner. Figures reflect the 2026 annual assessment, which includes private amenity access for up to four member cards per property; the daily access and recreation fees were eliminated. Golf, downhill and cross-country passes remain separate at member rates and are not included in the explorer totals.
All communities. Club membership is not conveyed with real estate unless stated, and some clubs sell memberships to non-owners.
The information on this page is not guaranteed to be accurate. It was compiled from community, association and club materials and third-party sources believed to be reliable, but it has not been independently verified. HOA dues, club dues, initiation fees, Mello-Roos, transfer fees and other charges vary by property and membership tier, and are subject to change at any time without notice. Buyers and clients should independently verify all facts, fees and charges with each association, club and their own advisors before making any decision. This page is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy.
Happy to walk any of these communities with you, pull current inventory, or confirm today's club availability before you decide.
Broker Associate, Compass · DRE# 01942526