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I hate to bring this up BUT, you mention retiring. That implies that you are of a certain age. And THAT means that you will be needing more and more visits to the doctor. (wish it weren't so, but it is!)
Outside of the immediate Savannah Metropolitan area, there simply is not the medical facilities that you will be needing at some time. Small hospitals, with limited access to a few specialists, yes, but not for extensive treatment. More than one couple has had to give up and move closer to Savannah. That's not a fun thing to do. An hour's travel just to see the doctor or get tests gets to be a problem for the elderly (and yeah, you are going to get there.)
Think long and hard about the islands area around Savannah. There are doctors and medical facilities there with easy access to the intown hospitals. Rose Dhu, and Coffee Bluff are two more residential areas with easy access to the water.
Of course, if you really want surf fishing, there is only one place...Tybee. All the rest are on rivers and marsh. There are public boat ramps all over the place.
Whitemarsh Island, Talahi Island and other spots in that area might have something in your price range. Thunderbolt, (between Savannah and the Islands) is another place to look. A couple more spots might be the Vernon View or Montgomery areas. There are scads of places around Savannah that might suit you just fine. I really don't think you would be real smart to get something further south like Liberty or McIntosh Counties.
Good luck!
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