"I'm retiring in less than a year, and my husband and I are moving to the Ozarks and build a house on a lake."
How are the RE prices there? Are you talking Branson, or somewhere else?
The are moving from California to the Ozarks, and it is a place called Cherokee Village, where the prices are really good and it's really a nice place. There is a web site
www.cherokeevillage.org