You might want to look at the area around Inverness Florida. Great 46 mile Rail to trail, lots of good back roads, club rides out of LBS 3 days a week. Also the Suncoast trail and Hawthorne trail are not far away. As for taxes and insurance, if you don't buy a new home you don't have to pay the extra taxes. I live in the same county as inverness and my homeowners insurance is $1995 a year (12 miles from coast). I have relatives that live in Iowa and they pay $600 a year for a comparable house, but they more than make up the difference heating it. You may want to also consider renting 6 months a year and let someone else pay the taxes and insurance. Check out the citrus county link. http://www.visitcitrus.com/