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I am trying to understand why the ten minutes out. If I were retired and wanting to live within a reasonable distance to Charlotte for maybe medical care reasons, I think living near one of the outlying areas such as Monroe, Rock Hill, etc. might be a better choice. We need to know what we are trying to help you find. If you are looking for a home for $180,000 in a safe area in Charlotte, my guess is that it won't happen.
I would really like to help you find the right spot! But I don't have a grip on what you are actually wanting. I take it you have never visited Charlotte?
Do you want to live in an area that has a lot of conveniences in it? Like - groceries, medical, retail, restaurants w/in a few miles? At $180,000, that is gonna limit what area of the city you can live in. Perhaps you would just as soon live in a bedroom community that is only a few miles from the city?