In recent years, more retirees have traded the hustle of big cities and expensive coastal states for a quieter, more scenic lifestyle. One community in particular Rarity Bay, Tennessee—is quickly becoming a standout retirement destination in the Southeast.
Located along the shores of Tellico Lake, this private waterfront community blends resort-style amenities with a laid-back, small-town atmosphere. The result is a retirement lifestyle that feels both luxurious and grounded.
So what’s behind the rising popularity of Rarity Bay, and why are so many retirees setting their sights on this lakeside haven?
Scenic Beauty Without the Chaos
One of the most immediate draws of Rarity Bay is its natural setting. Perched along the banks of Tellico Lake and nestled into the foothills of the Great Smoky Mountains, the views are nothing short of stunning. Whether it’s sunrises over the water or misty mountain backdrops, there’s no shortage of moments that make you stop and appreciate where you live.
This beauty doesn’t come with the crowds or congestion of traditional resort towns. While the area is within easy driving distance of Knoxville, it remains quiet and peaceful—ideal for anyone looking to slow down, breathe a little deeper, and enjoy nature year-round.
A True Sense of Community
Retirement isn’t just about where you live—it’s about who you live near. Rarity Bay offers something that’s becoming harder to find: a tight-knit, welcoming community where neighbors quickly become friends.
Because so many residents are in similar stages of life, there’s a shared appreciation for balance, connection, and activity. Whether it’s a casual gathering at the clubhouse, a neighborhood dinner, or a spontaneous golf outing, the social atmosphere is relaxed and inclusive.
This strong sense of community makes it easier for newcomers to settle in and feel at home, even if they’re relocating from hundreds of miles away.
Built for Active Retirement
Rarity Bay isn’t your average subdivision with a few sidewalks and green spaces. It’s a thoughtfully planned, amenity-rich community designed to support an active and fulfilling retirement.
For starters, there’s the 18-hole championship golf course, which winds through rolling hills and offers spectacular lake views at nearly every turn. For boaters, Tellico Lake provides endless opportunities for fishing, paddling, or just cruising under the sun. And for those who prefer land-based fitness, there are tennis and pickleball courts, miles of scenic walking trails, and a well-equipped fitness center.
The neighborhood is also pet-friendly, with a dedicated dog park and plenty of open space for furry companions to enjoy. These features create more than just options—they create a lifestyle where health and well-being are part of daily living.
Low Taxes, Affordable Luxury
For retirees coming from high-cost areas, Tennessee’s financial advantages are hard to ignore. The state has no income tax on wages or retirement income, and property taxes are significantly lower than the national average. This creates a compelling opportunity to live in a beautiful, upscale environment without the financial strain of more well-known retirement markets.
Rarity Bay homes range from golf villas to waterfront estates, offering luxury without the West Coast price tag. Whether you’re looking for a low-maintenance home or a custom build with a view, the options are flexible enough to accommodate a wide range of budgets and preferences.
It’s this blend of affordability and high-end living that’s drawing people from places like Florida, New York, California, and Illinois—retirees who want value, but won’t compromise on quality.
Proximity to Essentials—Without Giving Up Solitude
Another part of Rarity Bay’s appeal is its strategic location. It feels tucked away, but it’s not remote. Downtown Knoxville is about 45 minutes away, offering access to major hospitals, shopping centers, and cultural attractions. Closer still are local markets, pharmacies, golf carts shops, and dining options that make day-to-day living easy.
At the same time, the community is just far enough removed from urban sprawl to maintain its serenity. There are no high-rise developments, loud tourist traps, or constant traffic—just well-maintained homes, tree-lined streets, and open lakefront.
This balance between convenience and seclusion is one of the reasons retirees consistently list Rarity Bay as one of the most livable communities in Tennessee.
The Tellico Lake Factor
Tellico Lake is more than just a backdrop—it’s a lifestyle driver. With over 350 miles of shoreline and some of the cleanest water in the Southeast, the lake draws residents who love being near or on the water. Whether it’s an early morning kayak session or hosting friends for a lakeside BBQ, the lake adds something special to everyday life.
Rarity Bay’s private marina makes it easy for homeowners to access the water, and nearby marinas expand the possibilities for larger boats and longer excursions. For retirees who want to stay active without sacrificing peace and quiet, Tellico Lake is an essential part of what makes this community work.
A Smooth Transition with a Local Real Estate Expert
Relocating for retirement is a big decision—and having the right guide can make all the difference. Rick Smenner of the Tellico Lake Home Team is a trusted real estate professional who specializes in helping retirees find the right fit homes for sale in Rarity Bay and the surrounding Tellico Lake area.
With a deep understanding of the community and its unique lifestyle, Rick offers more than just listings. He helps buyers understand what life in Rarity Bay is really like—from HOA details to marina access, club memberships, and the local social scene. Whether you’re buying remotely or visiting for the first time, working with someone who knows the area inside and out can help streamline the process and eliminate surprises.
Rick’s hands-on approach and client-first mindset make him a go-to resource for anyone exploring retirement in East Tennessee. If you’re thinking about making Rarity Bay your next chapter, connecting with someone like Rick Smenner is a smart place to start.
Final Thoughts
Rarity Bay’s rise as a retirement destination isn’t by chance. It’s the result of a community that offers beauty, value, and connection in equal measure. With its stunning setting, active lifestyle, and financial appeal, it checks a lot of boxes for today’s retirees—and it’s doing so in a way that feels timeless, not trendy.
If you’re looking for a place that feels like a vacation but lives like a neighborhood, Rarity Bay might just be what you’ve been searching for. And with guidance from local experts like Rick Smenner, getting there is easier than you might think.
