Ditto! Same in Maryland. Get near the water, not on it, just close enough to see it from the top floor and you'll pay through the nose in real estate taxes. Out in the sticks, it's far less, but still too damned high. My property taxes are now pushing $3,000 a year, and I have no services. No public water, sewage, trash collection, no kids in school, but a couple days after a blizzard they will come and plow the snow in a huge pile in front of my driveway, and knock over the mailbox with the snow plow. Oh, we do have a county sheriffs department. Barney and Andy will show up if you call for help.;)
In neighboring Delaware, real estate taxes are a fraction of what they are here, no state sales tax, no state income tax either. Houses sell for about half what the same house would sell for in my area, and those on the water, including some larger ones (McMansions) go for a fraction of what they would sell for along the shores of Chesapeake Bay. Amazing how all this works. The thing I always ask is "Are the kids in Delaware dumber than the kids in Maryland?" Hell, the state tells us that most or our state taxes are going to education.
Almost forgot, NO HOA here - I cut the grass, take care of the rock gardens, and remove the snow from the driveway and sidewalk. But, I do pay for cable TV/internet/telephone, which amounts to $140 a month.
Now, if Yamaha wanted to target the richest community where older folks reside, that would be Montgomery County, Maryland - not Florida or New Jersey.
All the best,
Gary