The development is gated and established, with most homes built in 1980s, 1990s and 2000s. The community is dotted with live oaks, and residences include everything from cozy bungalows and beach houses to farmhouses and palatial estates. Floor plans range from about 1,300 square feet to nearly 6,000 square feet. Many homes have a large lot, a boat dock and water or marsh views.

Prices start in the mid-$500,000s. The HOA fee is $108 per month. Please check with a real estate agent to verify these prices as they may change.

Residents enjoy a good menu of amenities, including tennis courts, a heated swimming pool, boat and RV storage and a clubhouse. The town beach, one of the best reasons to retire here, is only three minutes away.

Ocean Isle Beach has a mature demographic. Many homeowners here are part-time residents, and tourists descend in the summer.

The town does not have a hospital of its own, but an accredited hospital is just 12 miles away in Bolivia.

Summer temperatures are in the 80s and 90s and winter temperatures are in the 50s, 60s and 70s. On average, Ocean Isles Beach receives 55 inches of rain per year.

Visit tinyurl.com/2frjr35w to see home listings.

North Carolina:

Sir Walter Raleigh sent English colonists to North Carolina in 1585 and 1587 to settle Roanoke Island. Permanent settlements were established in 1653, and early conflicts included pirate raids, the Quaker-led Cary Rebellion and the Tuscarora Indian War.

North Carolina didn't see much fighting during the American Revolution, but many residents went out of state to fight. A lot of locals were pro-Union and anti-slavery, but the state joined the Confederacy during the Civil War.

The state is the nation's largest tobacco producer, furniture maker and brick and textile manufacturer. Papermaking, chemicals, and metalworking are important to the state economy, too. Most lithium and mica come from here.

Tourists spend more than $1 billion in North Carolina annually. Sporting options include skiing, golfing and fishing. Major attractions include the Great Smoky Mountains, Cape Hatteras, the Blue Ridge National Parkway, the Wright Brothers memorial, Carl Sandburg's home, and an Old Salem re-creation in Winston-Salem. North Carolina's climate is warm and tropical most of the time, but it can be subject to fierce storms part of the

Newer Communities vs. Older Communities

Retirement communities come in a variety of shapes and sizes. These days new communities have a lot of bells and whistles, often including a large clubhouse with a state of the art fitness center, a resort-style swimming pool, an 18 hole championship golf course (or two or three), concierge services, transportation services, a rental program and much more. Something to keep in mind with newer communities is how the development will look when it is completely built out. And who will the residents be? Older communities often cannot match the amenities of newer ones, but they make up for that by having an established group of residents. You have a better idea what you are getting when you buy into an older development.

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Communities by State

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