Retirement no longer means settling into a quiet corner of the country and slowing down. For today’s seniors, it’s about finding a place that brings energy, purpose, and connection—without the chaos of city life. That’s exactly what East Tennessee offers. Between the Smoky Mountains and the Tennessee River, this part of the state is becoming a favorite for retirees looking for more than just warm weather.
And at the heart of it all is Tellico Lake.
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Where the Mountains Meet the Water
Tellico Lake stretches across more than 15,000 acres and winds along over 350 miles of shoreline. It sits just outside of Knoxville, giving residents the peace of a lakefront setting with quick access to hospitals, shopping, and the University of Tennessee’s many cultural offerings. Seniors are drawn here for the natural surroundings—rolling hills, mountain backdrops, clean air, and star-filled nights. But what keeps them here is something deeper: community.
Living Fully at Tellico Village
One of the most popular destinations on the lake is Tellico Village. What started decades ago as a vision for an active adult community has grown into a place with personality and pride. You’ll find golf courses, fitness centers, a yacht club, walking trails, and more than 100 social clubs. But Tellico Village isn’t just about amenities—it’s about connection.
There are nine neighborhoods within the community, each with its own style. Some are lakeside with private docks, others offer wooded lots with extra privacy. Whether you’re looking for a townhome or a custom-built estate, there’s something that fits. The best part? People who live here are truly involved. Neighbors gather for themed dinners, volunteer together, and share their passions through clubs and classes.
A Private Feel with Room to Roam in Rarity Bay
Tucked along a peninsula that juts into Tellico Lake, Rarity Bay is for retirees who want a little more quiet and a little more privacy. This gated community is known for its French Country–inspired homes and sweeping views of both the water and the Smoky Mountains. Life in Rarity Bay moves at its own rhythm.
Residents spend their mornings on the golf course, afternoons on the lake or horseback, and evenings at the clubhouse for drinks or dinner. The community even includes a small equestrian center, which adds to its charm. It’s ideal for seniors who want to stay active but prefer a slightly more upscale, tucked-away setting.
Lakeside Luxury in WindRiver
WindRiver is the newest of the large Tellico Lake communities, and it shows. The homes are modern, the streets are beautifully designed, and the community feels like a private resort. With its own golf course, full-service marina, lakeside restaurant, and spa, WindRiver is perfect for those who appreciate the finer details.
The layout of the neighborhood encourages walkability, and the views are some of the best on the lake. Custom homes dot the shoreline, many with panoramic decks that face the water or the mountains. For retirees looking for a blend of sophistication and serenity, WindRiver delivers.
Smaller Communities, Big Character
Not every retiree is looking for a large planned development. Some are drawn to the quieter corners of the lake—places like Tellico Harbor, Foothills Pointe, and Legacy Shores. These smaller neighborhoods still offer lake access and beautiful views, but with fewer rules and a more relaxed atmosphere.
These communities tend to attract people who want privacy without feeling isolated. They’re also popular with buyers who want a custom home on a larger lot or simply want to be close to the lake without the structure of a master-planned neighborhood. For many, it’s the perfect middle ground.
Life Feels Better Here
There’s something about waking up to a view of the lake that makes everything feel a little lighter. In Tellico Lake, daily life is grounded in nature. Whether it’s a morning paddle, an afternoon hike, or a casual round of golf with friends, people here stay active without forcing it. The setting makes it easy.
Healthcare is another reason retirees are choosing this part of Tennessee. Knoxville is close by and home to top-ranked hospitals and specialists. Many residents move here with long-term plans, knowing that when the time comes, they won’t have to leave the community to get the care they need.
And let’s not forget the financial side. Tennessee has no state income tax, which means retirees keep more of what they’ve saved. Property taxes are low, and the overall cost of living is easier on the budget than in many other popular retirement spots. For seniors relocating from high-cost states, that can make a huge difference.
Why It Pays to Work with a Local Agent
Choosing the right place to retire is a big decision. Choosing the right person to help you get there makes all the difference. Rick Smenner is one of the most experienced real estate agents in the Tellico Lake area, and he’s helped hundreds of retirees find the right fit—whether that’s a new home in Tellico Village, a custom home in Rarity Bay, or a quiet retreat in one of the smaller communities nearby.
Rick takes the time to understand what matters most to each buyer. He knows the ins and outs of the lakefront market, the different personalities of each neighborhood, and the hidden gems that don’t always show up online. More than that, he’s a resource. From recommendations for boat docks to insight on events in the area, he’s there every step of the way and constantly publishes great content about the area.
If you’re considering homes for sale in Tellico Lake, let Rick Smenner be your guide. With his help, you won’t just find a home—you’ll find your place.
