This is an established community, with homes dating from at least the early-1980s. Most residences sit on a wooded lot, and many are along the shores of 277-acre Lake Caroline, the development's focal point (there are also two smaller lakes). Housing styles range from A-frames to raised ranch ramblers and transitionals (open floor concept). Home sites are still for sale, so the community has a rural, unfinished feeling. As more lots are sold, this may change somewhat. It is doubtful, though, that Lake Caroline will ever feel crowded.

Homes start in the mid-$200,000s. The HOA fee is about $130 per month. Please verify this with a Realtor as prices may change.

Lake Caroline (the lake) is particularly popular with water skiers but also draws sailors and fishermen. It is 15 feet deep, and bass, perch and crappie are in good supply. Homeowners also enjoy two swimming beaches, two marinas and two fishing docks.

Other amenities include a lodge, an Olympic-sized pool, tennis courts and basketball courts. Lake Caroline Drive, which parallels the lake, is dotted with pretty parks. Pavilions are available for residents and their guests. A full time security patrol ensures that Lake Caroline is a safe place to live.

The community is just west of I-95, allowing direct access to both Richmond and Washington, D.C.

Ruther Glen does not have a hospital. The nearest medical facility is Parham Doctors Hospital in Richmond, about 25 miles away. It is accredited by the Joint Commission and accepts Medicare patients.

The area receives about 43 inches of rain and 13 inches of snow each year. Summer temperatures are in the 80s and 90s, and winter temperatures are in the 30s, 40s and 50s.

Visit www.lakecaroline.net for more information. Visit www.lakehomes.com/virginia/lake-caroline for listings.

Virginia:

Jamestown was founded in 1607, and both the American Revolution and the Civil War surrender sites are in Virginia. The state, nicknamed the Mother of Presidents, has given birth to eight U.S. presidents and has the longest continually operating state legislature in the Western hemisphere.

Points of interest include the home of George Washington, Thomas Jefferson, Richmond, and Williamsburg, a restored Colonial town. Booker T. Washington's birthplace, Arlington House, and the Blue Ridge National Parkway are worth a visit, too.

Why are HOA Fees So High in 55+ Communities?

HOA fees (homeowner association fees) come in a wide range, and each 55+ community has a different set of guidelines for determining its HOA fees. Generally, the more amenities, the higher the fee. And often older communities have higher fees because as a development ages, maintenance costs increase. Most communities have bylaws stating how high HOA fees can be raised each year. When looking for a 55+ community, always ask about the fees. How much are they? What do they cover? How many increases have there been in the last 10 years? If the developer or sales staff will not tell you, visit on a Saturday when people are out and about and ask a resident or two about the HOA fees.

Communities by State

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