Fowler points out that Independence in the Long Neck area gets retirees, especially active retirees, near enough to the beach to enjoy them without paying beach prices. You’ll have a choice of nine floor plans in a community that provides walking trails, indoor and outdoor pools, tennis courts, a community garden, a barbecue area, horseshoe pits, putting greens and volleyball courts. The clubhouse, Independence Hall, is a throwback to the golden age of country clubs. That’s not to mention active social programming such as gardening classes and movie nights for residents. Homes start in the low $200s. One need not be a golfer to enjoy golf-course living. Sprawling Heritage Shores offers much of the same in Bridgeville, plus plenty of open space. Homes are designed for one-floor living, with options for second floors. The aquatic-fitness center houses indoor and outdoor pools, workout machines, an aerobics room and tennis courts. The clubhouse is also a throwback. U.S. 13 speeds you north and south, and the beaches are still 45 minutes away—if you don’t venture out at peak travel times. See also The Peninsula, a golf-course community in Long Neck where prices have dropped dramatically—sometimes close to 30 percent—since it opened in 2005