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Independent Living

Here, you’ll change your address — not your lifestyle and not who you are.

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The perfect space to shape what’s next.

Take a peek at our apartments and cottage homes.

Living room of an apartment home
Senior man walking a dog and senior woman sitting and holding a dog on her lap
Kitchen with white cabinets and stainless steel appliances
Private patio of a cottage home
Three seniors having a conversation in an outdoor courtyard
Two senior women standing outside and talking
Entrance of The Terraces at San Joaquin Gardens
Sign for Fresno State University
Group of seniors dining while talking to the chef
Two seniors wearing sun hats holding plants in the garden
Best Continuing Care Retirement Community 2023-2024 badge from U.S. News & World Report

First-rate amenities and programs. Endless possibilities.

Savor Delicious Dining

Multiple dining venues, from our fine dining restaurant to our casual bistro, all feature delicious, chef-prepared meals.

Seniors in a restaurant toasting each other with glasses of wine

Nature Surrounds You

Stroll our 26 acres, including scenic gardens, shaded pathways and beautifully landscaped courtyards.

A senior man and woman wearing sun hats and gardening

Enjoy the Amenities

Take a dip in the pool. Perform with a choral group in our theater. Grab a coffee with a friend at our very own Peet’s.

Community pool at The Terraces at San Joaquin Gardens

Get Moving in Our Fitness Center

Staying fit is a lot easier when there's a fitness center right on campus. Take a dip in the pool and never get bored with a full calendar of programs.

Senior man in a wheelchair using a resistance band in a fitness class

View select independent living floor plans.

1-1.5 BATHS
727–993 SQ. FT.

One-Bedroom Apartments

All apartments feature modern fixtures and finishes. Many have shady patios or balconies and beautiful views of our landscaped campus.

1,157 SQ. FT.

One-Bedroom + Den Apartments

With a flexible den space, these apartments offer extra room to create an office, crafting room, study or art studio. All apartments feature modern fixtures and finishes. Many have shady patios or balconies and beautiful views of our landscaped campus.

919-1,500 SQ. FT.

Two-Bedroom Apartments

These apartments offer plenty of room and feature modern fixtures and finishes. Many have shady patios or balconies and beautiful views of our landscaped campus.

562-1,124 SQ. FT.

Cottage Homes

Scattered throughout our campus and available in a wide variety of sizes, our cottage homes are single-level and arranged as either a duplex or fourplex. All feature modern fixtures and finishes. Most have private patios and are surrounded by mature trees, beautiful landscaping and walking paths.


Learn about our starting price point and all that is included.


Are we a good financial fit?

Answer seven simple, anonymous questions, and our calculator will assess which home type might be a financial fit for you.

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Get answers to frequently asked questions.

Simply put, a Life Plan Community (also known as a continuing care retirement community or CCRC) is a community for older adults that offers independent living residences and access to higher levels of care all on one campus.

Independent residences are typically outfitted with the latest in home fits and finishes and offer the freedom of maintenance-free living. For a set monthly fee, so much is included: fresh dining, housekeeping, engaging amenities, and a myriad of cultural, social, educational, fitness and wellness programs.

Should a time come when extra support would be beneficial or required, a plan is in place. Specialized care, such as assisted living, memory support and skilled nursing, right on campus provides just what’s needed when it’s needed in welcoming environments.

Choosing to move to a Life Plan Community is about more than a maintenance-free lifestyle and having a plan in place for future care needs. If you are a proactive person, it’s about setting yourself up to ensure you are living life to the fullest. By having more time to do what you want to do — not what you have to do. By expanding your opportunities to be socially connected. By living in an environment designed to support total wellness. And, ultimately, by having security and peace of mind for you and those who love you.

A 55+ community offers independent living homes that usually include a maintenance-free lifestyle and a campus with common spaces and amenities. A Life Plan Community such as The Terraces at San Joaquin Gardens does the same, and, in addition, it offers various care options on campus. This means that if the health of you or your spouse ever changes, a plan will be in place. You won't need to move or be separated.

The Terraces at San Joaquin Gardens offers independent living apartments and cottage homes in a wide range of sizes and floor plans. All homes feature modern fits and finishes, and many have patios and balconies. And, of course, all residents have access to a wealth of amenities across our 26-acre campus.

Yes, pets are welcome! Some breed and weight restrictions may apply, so please talk to a sales counselor about your specific situation.

Absolutely not. Independent living at The Terraces is just that: independent. You decide how to live your life, structure your day and pursue what’s most important to you. And your residence is your private space. 

We believe strongly in the benefits of living in a community setting with easy access to new friends, neighbors, interest groups and social events. But there is never any pressure to participate. You can partake in community life to whatever extent you desire.

Our beautiful 26-acre campus has plenty of amenities. Our fully equipped fitness center, year-round heated outdoor pool, community gardens and walking paths make it easy to stay active. Club rooms, a wood shop and creative art studio help you to pursue your hobbies. In addition, we have a library, bistro cafe and state-of-the-art performance theater for meetings, movies, lectures, concerts and special events.

Eating well is a cornerstone of our wellness approach. This means healthy food prepared from scratch with fresh ingredients that are locally sourced whenever possible. Across our three dining venues, we feature a balanced offering of gourmet cuisine and classic comfort foods. 

Flexible dining points can be used in any of our three dining venues and our on-campus Peet’s Coffee and grocery store.

The Terraces at San Joaquin Gardens residents are very active with a wealth of interests! Between the work of our Life Enrichment team to create programs and excursions and numerous resident-led clubs, interest groups and committees, there is something for everyone.

Some examples include:

  • Group excursions to the Fresno Philharmonic, Town Hall speaker events and Roger Rocka’s Dinner Theater
  • Lectures, book clubs and discussion groups
  • Musical performances by residents, our own choral group and Fun Band
  • Numerous clubs and interest groups, including card groups, meditation, educational lectures such as Great Courses and grief support
  • Volunteer opportunities, including at local food banks
  • Many fitness classes, water aerobics and personal training sessions
  • Various resident-led committees that shape community life
  • Spiritual and religious services

As an independent living resident with a Life Plan contract, you will pay a monthly fee and a one-time entrance fee. Both types of fees vary considerably depending on the size and type of home you choose. In addition, entrance fees vary by whether you select a rebatable or nonrebatable entrance fee option. (Rebatable means a portion of your entrance fee is returned to you or your estate when you leave the community.)

Please contact our sales counselors to learn more about available floor plans, fees and details of our contract.

If you would like to understand what type of home you could afford at The Terraces at San Joaquin Gardens, take this simple quiz.

An essential tenet of a Life Plan contract is to offer our residents security for life — physically, emotionally and financially. We operate a nonprofit foundation that provides financial support to those who outlive their resources through no fault of their own. For more information on The Terraces at San Joaquin Gardens’ Life Plan contract, please contact one of our sales counselors.

Yes. We work closely with a downsizing and move management company that specializes in helping older adults. They can provide tremendous help throughout the process with sorting, organizing, disposing of unwanted items, packing for the move, space planning for your new home and even unpacking all of your belongings!

The benefit of a Life Plan Community such as The Terraces at San Joaquin Gardens is that you have a plan in place for possible future care needs. On our campus, we offer not only independent living residences but also care options such as assisted living, memory support and a skilled nursing center that can help with short-term recovery from a health event or a long-term care need. We can also assist you with adding care services to your home while living independently. As needs change, we work with you to determine what options are best and to add support only as needed to preserve autonomy and independence.

No, The Terraces is not a traditional nursing home. It is a Life Plan Community, where the majority of residents live independently. We offer independent living residences and a continuum of care options — assisted living, memory support and skilled nursing care — should they be needed on one campus. Our care options include short-stay rehabilitation nursing for people who have been discharged from a hospital stay but are not yet strong enough to return to their homes.

In our independent living homes (sometimes also called “residential living”), no caregiver assistance for help with activities of daily living is included as part of the standard monthly fee. No one is precluded from our independent living homes based on any protected category. We welcome everyone. Each independent living resident has the ability to make separate arrangements for caregiver services either by hiring private in-home caregivers or contracting for additional services through their HumanGood community (if such services are offered). 

It's normal to wonder if you’re ready to move. Understanding what being ready really means will help you make a decision that feels right for you. At times, people feel like they are waiting for a sign, a special birthday or circumstance. But the truth is, once you understand what a Life Plan Community is — and, just as importantly, what it’s not — the decision will become less fraught. Don’t forget to ask other people who have made the move about how they came to their decision — no doubt what you will hear is that they wish they had done it sooner.

Discover other living options.

A major benefit of the Life Plan Community model is that it offers access to higher levels of care should you ever need them.

Assisted Living

It's care when and where you need it. For those whose health or circumstances require special attention, assisted living at The Terraces at San Joaquin Gardens is provided in a highly personalized and dedicated residential environment. Assisted living is available to both residents and nonresidents of The Terraces.

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Memory Support

The Immerse™ program is a proprietary memory support philosophy and practice developed by HumanGood to create our welcoming neighborhoods that were designed with a singular commitment to preserving the dignity and individuality of every person and family.

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Skilled Nursing

Getting back to your best self may require short-term rehabilitation. Take comfort in knowing that if the need arises, our health center professionals are ready to support you. Our expert caregiving team has extensive experience in creating a warm, person-centered, long-term nursing care environment right on our campus.

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