Some of the richest ideas for my blog posts come from real estate and retirement discussion groups that I observe (and occasionally participate in). Like any public forum, the comments at these sites run the gamut from profound to stupid. Somewhere in the middle are the simply confused, sometimes admittedly, such as this recent post at TopRetirements.com.
        "We [my wife and I] are considering 3 places and at this point still confused/LOL. NE TN, Myrtle Beach, SC, Port Orange, FL. I am leaning toward MB, SC. My wife likes FL (because of familiarity – we lived there a long time). I am ready for something new."
        There is in this short statement a cautionary tale for all couples searching for a place in the South to call their home for retirement. The first step for any such search is a frank discussion with your partner about what type of area to consider. The result of such a discussion should not be, as in this person's case, the mountains of northeast Tennessee, the tourist

Considering Myrtle Beach and the Tennessee mountains as potential locations for a retirement home is like deciding whether to be a Red Sox or Yankees fan.

mecca of Myrtle Beach and the population dense area just south of Daytona Beach. Myrtle Beach and the area north of Knoxville, TN, are both fine considerations for a retirement home, but considering them as potential destinations is like deciding whether to be a Red Sox or Yankee fan. Topography (mountains, lake, coast, flatlands, whatever) and climate (two seasons or four seasons) should be the top considerations for any couple, after which more granular discussions about distances to cities and airports, shopping malls, entertainment, good restaurants and the like should come into play.
        The last consideration should be the specific communities to target. Some of the couples I work with get into trouble when they search the Internet for the perfect golf home before they consider some of the aforementioned issues of location. Every community I have visited, more than 150 at this point, offers homes that would suit virtually all of us. Selecting one is the easiest part of a golf home search once the tough work of deciding mountains or coast, lake or Piedmont, Carolinas, Georgia or Florida, is done.
        In our discussion group fellow's case, his and his wife's search may well take forever. He wants Myrtle Beach and she wants Port Orange. It might be fun to start a pool to see which one wins out, but I am not sure many of us will live long enough to collect. When he says he is "ready for something new," he could very well mean an endless search for his retirement home. I suggest a Winnebago.

        Recently, my wife and I spent a wonderful three days on a Lake Champlain island in Vermont. Our room on North Hero Island –- named in honor of the heroic exploits of Ethan Allen and his Green Mountain Boys during the Revolutionary War -- was sited across the street from one of the lake's hundreds of coves. We spent a few hours in the rocking chairs on the second-floor porch of our room and enjoyed the view of the lake, our reveries punctuated only by the occasional truck rumbling along Vermont Route 2 just below us. Our accommodations at the North Hero House were comfortable, and we did not have anything less than a terrific meal for the three days. (Burlington's Hen of the Wood is rated one of the top restaurants in New England, deservedly so in our estimation.) I didn't bring my golf clubs on this trip and, frankly, I didn't miss them.
        These days, about half the folks who ask me for assistance in finding a golf community indicate a preference for a lake location. Whether it is the fear of hurricanes or the fear of flood insurance payments near the ocean, some folks prefer their waters still. It is also a lot less expensive for a home on a lake than it is for one with a mere peek at the ocean.
        If you are fine with a golf home on fresh water, here are three lakes in the Carolinas, plus a short list of others in the South, that feature at least one golf community we can recommend. For more information, contact me.

Lake Keowee, South Carolina

        Some people think this manmade lake in the northwest region of South Carolina is shaped like a Christmas tree. Whether it is or isn't, flooding this area of the state was a gift to golf community developers, especially those looking to impress future residents with fairways along the irregularly shaped shoreline, long views to the mountains, and strategically placed home sites. Most of the golf communities on Lake Keowee are of the "upscale" variety, including those under the banner of The Cliffs Communities -– The Cliffs at Keowee Vineyard, Keowee Falls, and Keowee Springs -– and The Reserve at Lake Keowee, which is often confused as a Cliffs community but which is independently owned and did not suffer The Cliffs' financial shortcomings during the recession. With Keowee-area golf courses by the likes of Fazio and Nicklaus, expect most homes priced from $600,000 inside these guarded gates, but also expect about every amenity you can imagine, including the equestrian kind. For a more reasonable investment on the water -– much more reasonable, actually –- the long-established community known as Keowee Key offers less fancy but nonetheless quite playable golf, designed originally by George Cobb and recently updated by Richard Mandell, and incredibly cheap prices for water views from many of its homes. (A nuclear power plant about four miles away keeps prices much less radiant than those farther up the lake.) Here's just one example: A 3 BR, 2 BA, 2,100 square foot single-family home on a cul de sac with lots of glass to take full advantage of the lake views, listed at just $232,000. Okay, so the stairs to the attic are located in the corner of the master bedroom. Other, more customary layouts are available at correspondingly low prices. One other benefit of Keowee Key: It is closer than the other lakeside golf communities to the towns of Seneca and Clemson (home of the university).
KeoweeVineyard17There may be no better par 3 in the state of South Carolina than the 17th at The Cliffs at Keowee Vineyard, a Tom Fazio design.