The Montauk Point Lighthouse at dusk in Long Island, New York.

The Carmel and Long Island areas of New York offer natural landscapes and scenic beauty without breaking the bank.

You can’t get a real picture of what living in New York is like unless you consider the regions that are outside of New York City. Places like the Carmel area and Long Island have abundant natural beauty, historical landmarks, cultural attractions, and retirement communities that provide all the ingredients for rewarding and low-maintenance lifestyles.

Although New York is not an inexpensive place to live, there is an impressive inventory of homes for sale under $300k. The four retirement communities listed below offer excellent value and a wealth of floor plans, amenities, and vibrant activities to keep you busy.

Country Village Estates - Coram, NY

Low $200s - Mid $300s

The East Long Island suburb of Coram is located in Suffolk County about 60 miles east of The Big Apple, and here you can find the 55+ community Country Village Estates. Coram's downtown has a Stop n’ Shop, Home Depot, convenience stores, churches, restaurants, and shops, and it is also home to Pine Ridge Golf Club. Getting to the beach is a piece of cake with spots like Cedar Beach and Corey Beach being less than a half-hour away.

Country Village Estates is an established, gated neighborhood of 195 resale attached homes built from 1993 to 2001. There are five floor plans ranging from around 1,200 to 1,400 square feet with one or two bedrooms, two baths, and attached one-car garages. Options may include fenced-in patios and dens, and the reasonable homeowners’ association (HOA) fee covers community services as well as a transit bus. 

Other perks of living here include access to the private clubhouse, which has an outdoor pool and patio area, a ballroom, and an exercise room. There are also walking trails as well as clubs for bocce ball, shuffleboard, and horseshoes.

Learn more information about Country Village Estates here. 

The Waterways at Moriches - Moriches, NY

Mid $200s - Mid $500s

Also in Suffolk County, The Waterways at Moriches is a well-appointed retirement community of 343 resale attached homes perfectly situated near Moriches Bay and the Hamptons. This desirable zip code also places homeowners near Smith Point and the and South Bay Medical Center. It is also close to the Montauk Highway, which leads to grocery stores, restaurants, liquor stores, boutiques, and anything else you might need.

High-end amenities include an elegant clubhouse with an exercise room, health spa and saunas, gathering rooms, and a catering kitchen. Best of all, there is an outdoor pool and spa, bocce ball and tennis courts, walking trails, and a private marina for homeowners. Friends and neighbors spend quality time together at activities like movie nights, knitting groups, boating, trips, and parties.

Learn more information about The Waterways at Moriches here.

Leisure Glen - Ridge, NY

Low $200s - Mid $400s

Talk about location: Not only is Leisure Glen less than three miles from Long Island’s northern beaches and in between two state forests, but it is also close to Stony Brook University, Mount Sinai Hospital, and Spring Lake Golf Club. This community of 646 resale attached and single-family homes was built from 1985 to 2010 with a variety of floor plans. 

The five attached models range from 1,140 to 1,635 square feet with two bedrooms, two bathrooms, and one-and-a-half- to two-car garages. Upgrades may include patios, eat-in kitchens, and formal dining rooms. There are three single-family models ranging from 1,417 to 1,685 square feet with one to two bedrooms, two bathrooms, and attached two-car garages. Options include patios, breakfast rooms, and dens, and the HOA fee provides for certain community services.

At the center of this welcoming community is its 15,000-square-foot clubhouse highlighted by an Olympic-sized outdoor pool, a Nautilus Exercise Studio and fitness center, crafts studios, and a 350-person auditorium. There’s also gathering rooms, a music studio, and walking trails as well as bocce ball, tennis, and pickleball courts. There are more than 30 clubs and activities, including a women’s guild, a computer club, an American Legion Post and auxiliary, a player’s club, and a theater club.

Learn more information about Leisure Glen here. 

Heritage Hills - Somers, NY

High $200s - Low $700s

Heading north towards Westchester County, we arrive at Heritage Hills, an exceptional golf course community of 2,600 resale condo and single-family homes. It was built between 1975 and 2003 on a gated property about an hour north of Manhattan. Area landmarks include Anglebrook and Centennial golf clubs as well as Amawalk Reservoir. The closest hospitals are Putnam Hospital Center and New York Presbyterian-Hudson Valley, and nearby shopping centers include Somers Commons and Putnam Square with medical offices and a CVS right across the street.

There are more than 20 condo floor plans ranging from 955 to around 1,900 square feet with one to three bedrooms, one to two-and-a-half baths, and either carports or attached two-car garages. Options include stainless steel appliances, hardwood floors, and patios, and the HOA fee includes trash and snow removal, exterior maintenance, and common area costs.

Residents enjoy access to the on-site Somers National Golf Club, a semi-private club featuring two courses and a clubhouse. A second clubhouse features a performance theater, exercise room and sauna, crafts studio, and meeting rooms. Out on the property, residents will also find five outdoor pools, gardening plots, trails, and two restaurants as well as tennis, pickleball, and bocce ball courts. There are also dozens of clubs and activities like the culinary club, garden club, hikers and walkers, scrapbooking, and yoga.

Learn more information about Heritage Hills here.