@gingerw, it sounds like you and your husband made a wise move in buying your home 4 years ago. If you ever do want to find a group community sometime in the future, you might want to investigate senior cooperatives. They are usually large apartment buildings with lots of public spaces, like banquet rooms, relaxing nooks in front of a fireplace, exercise room, workshop, extra storage, heated underground parking (at least in the North), guest suites for a nominal nightly charge, etc.

The difference between a co-op and regular senior apt building is that a co-op's residents own the building. You get on a waiting list, and buy a unit when one becomes available. (You can turn down open apts, and won't lose your place on the waiting list.) You buy it usually at a reduced price (often at only one-third its actual value), no closing costs. An elected group of residents forms the Board, and the Board sets all the policies and adjudicates any conflicts.

Many co-ops have units that run from $100,000 to $200,000. (There are also places that are fancier, with apts for several hundred thousand dollars.)

Along with the price of the unit, you will pay anywhere from about $1,000 to $2,000 per month in fees. That amount is pretty stable -- so you know what virtually all your expenses will be going forward. They do all the mowing, snow shoveling, security, etc . . . so you don't have to! Your fee goes to things like that, as well as to keep the place capitalized according to H.U.D. If you like to travel, no worries -- just lock the unit and go!

Much more to say, @gingerw, but I'd welcome you to private message me and I can tell you more if you want.

Good luck, and I sincerely hope you don't need to investigate something like this! (In other words, I hope your husband and you both have long satisfying lives.)