There are so many great waterfront communites in Ocean County. You may want to consider some of the bayfront communites on the island. I had recently sold a bayfront property with a boat slip for $205,000, very low taxes and walking distance to the beaches. Manahawkin also has some very nice waterfront and lakefront areas, I have recently found a community there that has been a well kept secret, it is a private, very beautiful and affordable. Best of Luck and Congrats on your retirement.