St. George · Washington County
Twin Lakes
Ask for current pricing
Get the full packet
Everything on Twin Lakes, in one place. Free, from a Utah real estate broker and senior move specialist.
Quick answer
Twin Lakes is an age-qualified 55+ community in St. George, Washington County, Utah. Homes are manufactured running 264 to 2,696 square feet. HOA dues run about $130 per month. The community is built out, so homes sell as resale.
It is a residential community, not assisted living or senior care. There is no staff, no nursing, and no meal service. Residents own their homes.
Verified August 2026 by Kris Bowen, Utah real estate broker and senior move specialist. 801-999-8005
Twin Lakes is three separate registered associations sharing one name, and only RV Park 2 carries the 55+ listings.
The 2025 Twin Lakes Townhomes are two-story and a different product entirely. Confirm which association governs the address.
Broker's note
Twin Lakes is not one community and this is the thing to get right before you look. Three separate associations are registered: Twin Lakes RV Park 1 and 2, Twin Lakes Resort, and Twin Lakes Townhomes. The 55+ listings sit in RV Park 2. Ask in writing which association governs any specific address, because the answer changes the rules, the dues and whether the age restriction applies at all.
The Twin Lakes Townhomes are the clearest example of why. They were built in 2025, they are two-story, and they are an entirely different product from the manufactured and park-model homes that make up the 55+ portion. Same name on the sign, different thing.
For the 55+ portion itself, listing remarks describe a 55+ community in a smaller RV park, dues are $130 a month with a $350 transfer fee, and the location is strong: about a mile and a half to Costco and nine minutes to a full-service emergency room.
Financing follows the usual manufactured-housing rules and depends on each home's age and title status, with stock dating from 1984. And the wide square-footage range here, from 264 to 2,696, reflects the fact that the county records span all four Twin Lakes products rather than the 55+ portion alone. Verify the specific home.
Kris Bowen, Real Estate Broker · 23 years in Utah
Is this the right fit?
A good fit if you want
- A mile and a half from Costco, nine minutes from the hospital
- Single-level manufactured homes with no stairs
- A smaller, quieter setting within a larger property
Look elsewhere if
- You want certainty about which association you are joining
- You need conventional, FHA or VA financing without checking
- You want the 2025 townhomes. Those are a different, two-story product
The homes
What "single-level" actually means here
Plenty of 55+ homes advertise main-floor living and still put the laundry in the basement or the second bedroom upstairs. Here is exactly what sits on the entry level.
- Primary suite on the entry level
- All daily essentials on one floor
- Step-free entry available
The 55+ portion is manufactured and park-model housing, single-level by construction. The separate 2025 Twin Lakes Townhomes are two-story and a different product entirely.
What to check when you walk a home here
- Measure the interior doorways. 32 inches of clear width is the minimum that stays workable with a walker; 36 is better. This is expensive to change and easy to check with a tape measure.
- Look for a step-free way in. Often the garage door is the flattest entry in the house, and no listing ever mentions it.
- Push on the bathroom walls where a grab bar would go. If there is no blocking behind the drywall, adding one properly means opening the wall.
- Check whether the shower could go curbless without moving the drain, and whether there is turning room in the bathroom.
- Ask the age of the roof, furnace, and water heater. On resale homes in an established community, this is where the real money hides.
The HOA
$130 per month
What the dues cover:
- Common area maintenance
$130 a month with a $350 transfer fee.
Who actually runs this HOA
Registered with the Utah Department of Commerce as Twin Lakes .
Three separate associations are registered here: Twin Lakes RV Park 1 and 2, Twin Lakes Resort, and Twin Lakes Townhomes. Only RV Park 2 carries the 55+ listings. Confirm which one governs the address.
This is the entity to ask for the budget, the reserve study, and the recorded CC&Rs. I request those for clients as a matter of course.
Two cautions I give every client buying into a newer association
Developer-set dues are introductory. While a builder still controls the association, dues are commonly set low and reserves underfunded, because low dues sell houses. After homeowners take over, boards routinely raise dues and levy assessments to catch up. Ask for the projected turnover date.
Ask for the reserve study, and check its date. Utah law requires a reserve analysis at least every six years, reviewed at least every three, with an annual summary to owners. Under 70 percent funded is a yellow flag. Under 50 percent is a real problem, and the bill arrives as a special assessment after you close.
Who is actually allowed to live here
This is the part that blindsides families, so I would rather over-explain it.
Under the federal Housing for Older Persons Act, a community keeps its senior exemption as long as at least 80 percent of occupied homes have a resident 55 or older. That remaining 20 percent is the cushion associations use to allow a younger spouse, an early-50s buyer, or a surviving partner.
The thing almost nobody knows: HOPA does not, by itself, protect an under-55 surviving spouse. Whether your husband or wife can stay after you are gone depends entirely on the recorded CC&Rs. Some communities include an explicit survivor clause. Some leave it to the board. Some are silent, which is the worst version.
Get these answered in writing before you write an offer
- Can a surviving spouse under 55 remain, and is it written down or left to the board?
- Can an heir under 55 inherit and live in the home, or only rent or sell it?
- How much of the 20 percent cushion is already in use? If the community sits at 19 percent, there is no room left for your spouse. This is obtainable from the association and virtually nobody asks.
- Can a live-in caregiver under 55 stay if one of you needs help?
- How many days per year may a younger guest stay, and does that constrain a summer with the grandchildren?
Location and getting to services
Typical-traffic drive times from Twin Lakes to the places you will actually go.
How far is this from you?
Enter your doctor's office, your church, or a family member's address and see the drive from this community.
Opens driving directions in Google Maps with Twin Lakes as the destination. Your address is not saved, stored, or sent to us. It goes straight from your browser to Google Maps.
The question adult children ask that nobody answers
How does an ambulance get in? If a community is gated or has controlled access, ask whether the fire district has a Knox box or gate code on file, and whether the first-due unit carries a paramedic. That detail matters more than the drive time does.
A useful benchmark: Medicare Advantage network adequacy rules set maximum time and distance standards by county type. In large metro counties the primary care standard is 10 minutes or 5 miles.
If you stop driving
The least-discussed risk in active adult housing. Losing the ability to drive roughly doubles the risk of depression symptoms and social isolation, and where a home sits determines how hard that transition is.
- Is there a continuous sidewalk to anything useful, or does every errand require a car?
- What is the walk to a grocery store or pharmacy on the actual sidewalk route?
- Is the address inside a UTA paratransit service area? ADA paratransit generally covers within three quarters of a mile of a fixed route.
- Does a county senior transport or volunteer ride program serve this address?
What it really costs each month
The sticker price is the least interesting number. What matters is the monthly nut, and how it compares to what you are paying now.
* Based on what the community and builder publish about the dues, which I have looked up rather than assumed. It is not confirmed against the association's own budget and governing documents, and exactly what is covered can differ by phase, by home type, and over time. I pull the current budget and CC&Rs for clients before they write an offer.
This is the honest case for a 55+ community, and it is the one most people get wrong. The HOA fee is not purely an added cost. It replaces line items you already pay on a larger home, in cash or in your own labor. When someone tells me downsizing does not pencil, we usually find they compared the mortgage and the dues and left out the lawn service, the snow, and the roof they will need in six years.
Typical utilities
Rough monthly ranges for a home this size in St. George. Utilities are the line item people most often forget to compare, and they are usually where a smaller home wins.
Estimates only, and they vary a lot. A townhome, a condo, and a detached single-family home of the same square footage can run very differently, and so can two neighbors in identical homes depending on thermostat habits, occupancy, and whether the yard is irrigated. Treat these as a starting point, then ask for the actual bills on a specific address.
For the son or daughter reading this
If you are researching on behalf of a parent, you are asking different questions than they are, and both sets are legitimate.
Some perspective, honestly offered: hands-on help from an adult child drops off sharply with distance. Weekly help hours fall from roughly three when you live on the same block to about one at two to five miles away, and keep falling from there. If you are weighing communities, distance from you matters more than most families treat it.
What to check here
How far it is from you. Whether the community is gated and how emergency services get in. Cell signal for a medical alert device. Broadband for telehealth. Whether an under-55 caregiver may live in. Whether the architectural committee permits a ramp or grab bars. And the overnight guest limit, which is the rule that quietly prevents you from staying a week to help.
What this community is, and what it is not
An active adult community is real estate, not care. There is no staff, no nurses, no meals, and no call system. If your parent needs help with bathing, dressing, or medication, that is assisted living, which is a different product entirely. Buying here because it sounds like a safer version of a house is the most expensive mistake families make.
Also worth knowing before you plan around it: Medicare does not pay for custodial help with bathing, dressing, meals, or housekeeping. It covers skilled, intermittent home health only. That gap is what actually forces the next move, and it catches families by surprise.
If you are coordinating with siblings
Agree among yourselves before anyone talks to your parents. The fastest way to derail this is one sibling feeling blindsided, and a parent who senses a united front they were not part of will dig in harder.
Decide early who is the point of contact, who handles the money conversation, and who is simply there for support. If the house eventually sells, the proceeds question tends to surface old family dynamics. Naming that in advance costs nothing and prevents a lot.
Paperwork worth locating now, not later
The deed, the mortgage payoff, a recent tax notice, and the HOA documents if there are any. If a parent may not be able to sign for themselves at some point, the power of attorney or trust paperwork matters enormously and is miserable to sort out under time pressure.
If the move is tied to care costs, talk to an elder law attorney and a CPA before anything sells. I am a broker, not a tax or legal advisor, but I work with families in this spot often and can point you to people who handle it properly.
The most common mistake is leading with logic. Parents who feel managed dig in. The families I see succeed start with what would make the next few years easier and more enjoyable, and let the house question follow.
I am glad to walk a community with the whole family at once and give the same honest read to everybody in the room. That is most of what I do.
Other 55+ communities to compare
Worth a look before you decide. I would rather you tour two or three than fall for the first one you see.
Information on this page is gathered from the builder, the association, public records, and other sources believed reliable, but it is not guaranteed and is subject to change without notice. Pricing, availability, HOA dues, amenities, and recorded community rules change often. Cost and utility figures are estimates only and vary widely by home type, size, and household. Verify all details for a specific address, and read the recorded documents, before you make an offer. Kris Bowen is a licensed real estate broker, not a tax, legal, insurance, or medical advisor. Last reviewed August 2026.
Good to know
Frequently asked questions
-
Is all of Twin Lakes a 55+ community?
No. Three separate associations are registered under the Twin Lakes name: Twin Lakes RV Park 1 and 2, Twin Lakes Resort, and Twin Lakes Townhomes. The 55+ listings sit specifically in RV Park 2. Ask in writing which association governs any address you are shown, because it determines the rules, the dues and whether an age restriction applies at all.
-
What are the Twin Lakes Townhomes?
A completely different product that happens to share the name. They were built in 2025 and are two-story, whereas the 55+ portion is manufactured and park-model housing that is single-level by construction. If someone shows you a new two-story townhome at Twin Lakes, you are not looking at the age-restricted part of the property.
-
How convenient is Twin Lakes?
Very. It sits about a mile and a half from Costco, roughly four minutes, with St. George Regional Hospital about nine minutes away and the airport around fourteen. Along with The Palms of St. George, it has among the best daily-errand access of any community in this registry.
-
What are the fees at Twin Lakes?
$130 a month with a $350 transfer fee at closing for the 55+ portion. Financing follows the standard manufactured-housing rules and depends on each home's age and title status, with stock dating from 1984. Note that county square-footage figures span all four Twin Lakes products, so verify the specific home rather than relying on a community-wide range.
Talk to a real person
Thinking about Twin Lakes?
I will send the CC&Rs, the HOA budget and reserve study, current pricing, and my honest read. Or just call and ask one question. Both are free.
Call or text 801-999-8005No pressure, no obligation. Happy to talk with you, your spouse, and your family together.