Myrtle Trace: A 55+ Community in Myrtle Beach

What Myrtle Trace is and who lives there

Myrtle Trace is a 55-and-older residential community in Myrtle Beach, South Carolina, built around golf, recreation, and a planned neighborhood layout. The community sits on more than 2,000 acres and includes single-family homes, townhomes, and condominiums. Residents must be at least 55 years old, and at least one owner in each household meets that requirement.

The community was developed to serve retirees and active adults who want a maintenance-managed environment with built-in social and recreational infrastructure. Unlike a typical neighborhood, Myrtle Trace includes mandatory membership in the homeowners association, which funds common amenities and enforces community standards.

Key Takeaways

• Myrtle Trace requires at least one household member to be 55 or older and enforces age restrictions through deed restrictions and HOA rules.
• The community includes three championship golf courses, multiple clubhouses, fitness centers, and organized social activities as part of the HOA structure.
• Homes range from townhomes to single-family residences, with varying price points and floor plans available through resale and new construction.
• HOA fees cover amenities, maintenance of common areas, and community services, and vary depending on the neighborhood section and property type.
• Real estate agents familiar with 55+ communities and Myrtle Trace specifically can explain deed restrictions, HOA obligations, and resale processes unique to age-restricted communities.

The golf and recreation amenities

Golf is central to Myrtle Trace's design. The community operates three 18-hole championship courses: Azalea, Magnolia, and Palmetto. Residents have access to these courses as part of their community membership, though golf memberships and play fees operate separately from HOA dues. The courses are maintained to resort standards and open year-round.

Beyond golf, Myrtle Trace includes multiple clubhouses with fitness centers, swimming pools, tennis courts, pickleball courts, and bocce ball facilities. The community organizes clubs and activities—book clubs, card games, water aerobics, and travel groups—that operate through the clubhouses. Many of these activities are included in HOA membership; others charge additional fees.

Home types and what to expect in pricing

Myrtle Trace offers several housing types. Single-family homes are the largest category, ranging from around 1,200 to 3,500 square feet. Townhomes are typically smaller and require less exterior maintenance. Condominiums are the most compact option and often the most affordable entry point into the community.

Prices vary significantly based on age of the home, location within the community, floor plan, and current market conditions. Newer construction and homes on golf courses command higher prices. Resale homes—which make up the majority of available inventory—often cost less than new builds but may require updates. A real estate agent with experience in Myrtle Trace can show you what's currently listed and explain the price differences between neighborhoods within the community.

HOA fees and what they cover

Every property in Myrtle Trace is subject to HOA fees, which are mandatory and collected monthly or quarterly. These fees fund the maintenance of common areas, clubhouse operations, amenities staff, landscaping, and road maintenance. Fees vary by neighborhood section and property type—a single-family home on the golf course may have different fees than a townhome in another section.

HOA fees do not typically include golf play, utilities, property taxes, or homeowners insurance. You pay those separately. Some communities bundle certain services; ask your agent for a breakdown of what's included in the specific neighborhood you're considering. Request the HOA budget and reserve study if you're seriously interested in a property—these documents show how the community manages money and what future assessments might be needed.

Age restrictions and deed requirements

Myrtle Trace enforces age restrictions through deed restrictions and HOA bylaws. At least one owner must be 55 or older at the time of purchase. If both owners are under 55, you cannot purchase in the community. If one owner is 55 and the other is younger, the purchase is allowed. Visitors and temporary guests of any age are permitted.

These restrictions exist under federal fair housing law, which allows age-restricted communities for persons 55 and older. The restrictions are permanent and apply to all future sales. When you sell your home, the next buyer must also meet the age requirement. Your real estate agent will explain these restrictions in detail and ensure the purchase contract reflects them correctly.

Resale process and working with an agent

Buying or selling in Myrtle Trace differs slightly from a standard residential transaction because of HOA rules, age restrictions, and the community's specific requirements. A real estate agent experienced with 55+ communities understands these differences and can guide you through them.

When buying, an agent will help you understand HOA fees, review community rules, and explain what amenities are included in your membership. When selling, your agent will market to buyers who meet the age requirement and ensure the listing reflects the community's appeal to active adults. Many agents in the Myrtle Beach area specialize in Myrtle Trace and maintain relationships with other agents who work there regularly, which can speed up the sale process.

Request references from any agent you consider—ask previous clients about their experience with HOA communication, timeline to closing, and how well the agent explained community rules before purchase.

Location and proximity to Myrtle Beach attractions

Myrtle Trace sits in central Myrtle Beach, roughly 10 to 15 minutes by car from the Atlantic Ocean and the main tourist district. The community is close to shopping, dining, and medical facilities, including Myrtle Beach International Airport, which is about 20 minutes away. This location appeals to residents who want access to beach activities and services without living directly in the busy tourist zone.

The community's inland location also means lower flood insurance costs and less exposure to hurricane storm surge compared to oceanfront or near-beach properties. Many residents appreciate the balance: close enough to enjoy the beach and attractions, far enough to avoid the seasonal crowds and higher insurance premiums.

Frequently Asked Questions

Can I rent out my home in Myrtle Trace?

Rental policies vary by neighborhood section within Myrtle Trace. Some sections allow long-term rentals; others restrict them or require HOA approval. Short-term vacation rentals are typically prohibited or heavily restricted. Check the specific deed restrictions and HOA bylaws for the neighborhood you're considering before purchasing. Your agent can provide this information.

What happens if I turn 55 after buying with a younger spouse?

Age restrictions apply at the time of purchase, not over time. If one owner is 55 when you buy, the property remains compliant regardless of future age changes. The restriction only applies to new purchases—the younger spouse does not need to leave or the property does not become non-compliant as you both age.

Are there restrictions on renovations or exterior changes?

Yes. Myrtle Trace has architectural guidelines that govern exterior colors, landscaping, additions, and modifications. You typically need HOA approval before making changes. These rules maintain the community's appearance and property values. Your agent and the HOA can provide the specific guidelines for your neighborhood section.

Do I have to join the golf club?

No. Golf membership is separate from HOA membership and is optional. You pay HOA fees regardless, which cover clubhouse access and other amenities. Golf memberships and play fees are additional and voluntary. Many residents enjoy the courses; others use the fitness centers, pools, and social activities instead.

How do I find out about current listings in Myrtle Trace?

Contact a real estate agent who works regularly in the community. They can show you available homes, explain the differences between neighborhoods, and discuss what's realistic for your budget. Most agents can access the MLS listings for Myrtle Trace and arrange tours. Ask about both new construction and resale inventory.