Ideas
This is most similar to the issue I was having. The lots were loading for me but just the lot I clicked to load. Everything was either EA defaults or empty, as if I just started a fresh save. The correct lots still showed in the manage world screen, so they’re still there. If I click on them, they do load as the correct lot. But I don’t think it’s tied to a family though. Because the workaround I found was reverting all my residential rentals back to regular residential. Then everything was back to normal. But the minute I try to put a residential rental again, this issue would come back.
Edit I am using a Mac Book Pro with M3 chip.
I'm having a similar issue. My community lots, taverns, gyms, and libraries won't load, but I see the neighboring buildings, and when I click to travel to them, the lot will be empty. I also see they are available on the manage worlds map. Once I have actually traveled there, though, the manage words map changes and shows it as an empty lot.