Buying for Retirement: 3 Reasons Why You’ll Want to Buy Your Retirement Home Before You Retire

Many people dream of buying their ideal retirement home after their career has come to a conclusion – with all that extra free time it seems like it’d be the most logical time to shop around.

However, many real estate professionals strongly recommend that their clients find a retirement property before they’re off the payroll. While it may seem like a big time commitment to find a new home while you’re still busy with your work there are several significant financial benefits to purchasing your retirement home before you actually do retire. Here are our top reasons why.

It Makes Your Mortgage Easy

When you are employed it is easier to get approved for a mortgage. If you wait until after you retire to buy your retirement home, you may not have the income require to qualify for the mortgage that you need. Don’t limit yourself! Buy while you’re still employed to keep your options open.

It Leaves You With More Spending Money

Buying a new home while you have an income provides you with more security with your expenses, such as mortgage payments and planned upgrades or renovations. Having an income can also mitigate financial stress should you run into any unexpected expenses after closing.

It Leaves You Ready For Reality

You may think you can accurately predict the expenses of your new home, but if you buy the property before retiring it gives you time to get to know the true amounts of your monthly payments. This can help ensure that you have enough saved to retire and live comfortably in your new property, with no surprises for your budget. You’ll be in a better position to create a financial plan once you know the reality of owning your new home.

An Added Bonus: It Can Be An Income Property

If you decide to purchase your retirement home before you retire you don’t have to move into it right away. You can rent it out as an income property until you’re ready to settle in, which will not only help cover mortgage payments but will also allow you to see first-hand what the monthly expenses are for the property.

This will also prevent you from having to deal with a move while working; you can wait until you do finally retire before packing up your current home and moving into your new one.

Ready to find the perfect retirement property? Contact me today for more advice to set yourself up for the future – J.P. Cook – 602-320-4253.

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10595 S State Route 69 -- Mayer, AZ 86333

$1,490,000

3 Beds

5 Baths

4,666 SqFt

Status Active

MLS # 6752671

Property Type Single Family Residence

Price Type --

Welcome to your dream horse training facility!! Positioned on 12 sprawling acres of picturesque landscape in Mayer, AZ. This exceptional property combines western life with luxury living! A grand 4,666 square foot home features 3 spacious bedrooms and a versatile loft. Enjoy the convenience of a dedicated laundry room and a well-appointed office. The two master bathrooms offer opulent amenities, including tile finishes, a walk-in shower, a classic clawfoot tub, and a soothing jacuzzi tub. The expansive kitchen boasts upgraded appliances, granite countertops, and ample space for culinary creativity. The great room is a showstopper with its floor-to-ceiling rock fireplace, creating a warm and inviting atmosphere. The property includes a 4,000 square foot horse barn with 10 stalls, a wash rack, and a tack room with a sink and refrigerator, ensuring top-notch care for your horses. The facility also features four large turnouts with shade structures, a cutting pen, a round pen, and a hot walker. A hay shed provides convenient storage, while 8 RV hookups offer accommodation for guests or staff. Enjoy lush green pastures, mature trees, and the peaceful sound of the seasonal creek flowing through the property. The front 2 acres of the property are zoned commercial!! Benefit from low utility costs with a septic tank, and 2 private wells!!! There are 3 heat pump units, a water softner unit and reverse osmosis. The home includes a 3-car garage, and an additional storage shed with its own porch, perfect for hobbies or extra storage needs. This property is more than just a home; it's a complete equestrian paradise offering luxury, functionality, and breathtaking beauty. Don't miss the chance to make this exceptional estate your own.

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2500 Lupine Lane Wickenburg, AZ 85390

$1,490,000

4 Beds

3.5 Baths

4,205 SqFt

Status Active

MLS # 6768049

Property Type Single Family Residence

Price Type --

Beautiful truly custom home abutting airport real estate, providing never ending views of the Bradshaws! Each room was independently designed for a completely different ascetic, yet the overall feel still has cohesion. With two owner suites split from one another by the parlor as well as from the other two bedrooms, this home is perfect for any entertaining scenario. Each owner's suite closet is so intricately designed, bedroom furniture may be unnecessary. The parlor has a pass-through fireplace to the main living area which makes the room feel connected yet isolated for privacy. The open concept living space enjoys an eat up bar, wonderful living space, formal dining as well as a quaint breakfast area. No expense was spared in this gourmet kitchen and walk in pantry!

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6711 E Camelback Road Unit 21 Scottsdale, AZ 85251

$1,490,000

2 Beds

2 Baths

2,049 SqFt

Status Active

MLS # 6769046

Property Type Townhouse

Price Type --

Welcome to your tranquil oasis near the heart of Old Town Scottsdale! Nestled within the serene, guard-gated Village of Pavoreal, the home offers a unique blend of luxury, convenience, and timeless charm. As you step into this meticulously crafted residence, you'll immediately be greeted by the warmth of espresso hardwood floors and a space flooded with natural light, creating an inviting atmosphere throughout. The den provides a versatile space for work or relaxation, while the absence of stairs ensures easy accessibility. Experience the epitome of peace, privacy, and security away from major streets. Surround yourself with lush vegetation and fruit trees, creating a picturesque backdrop for your everyday life. The home can be sold furnished making it an ideal lock and leave opportunity The resort-style lighting illuminates the yard and adds to the enjoyment of your own private oasis. With high ceilings adding to the sense of spaciousness, this lock-and-leave residence offers convenience and security, perfect for those with a dynamic lifestyle. Rest easy knowing that your home is safeguarded within the 24/7 guard-gated community, providing peace of mind and a sense of exclusivity.

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2946 N Lodgepole Road Overgaard, AZ 85933

$1,490,000

4 Beds

4 Baths

5,088 SqFt

Status Active

MLS # 6773690

Property Type Single Family Residence

Price Type --

Experience the ultimate in luxury living at this magnificent hilltop retreat! With expansive decks offering breathtaking views, this custom-built home is a true gem. Step inside to find wide wood plank hickory floors that lead you to a spacious living room. The chef's kitchen is a dream, featuringgorgeous cabinetry, a Sub-Zero fridge, Wolf gas double oven, large slab granite counters, walk in pantry & a cozy sitting area. Every bedroom boasts an ensuite, with one conveniently located on the main level as well as the laundry. Ascend the stunning staircase to discover a huge family room complete with a fireplace & split floor plan. Two additional bedrooms, along with a lavish primary suite that includes its own fireplace and private deck and attached office with mini kitchen and balcony.

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263 W Malibu Drive Chandler, AZ 85248

$1,490,000

5 Beds

4.5 Baths

5,735 SqFt

Status Active

MLS # 6681125

Property Type Single Family Residence

Price Type --

Welcome to the captivating 5-bedroom, 4.5-bathroom house located in the desirable Fulton Ranch, Aegean Cove subdivision in Chandler. This spacious home spans an impressive 5,735 square feet and offers a multitude of possibilities for comfortable living. With its generous layout, gourmet kitchen, spacious living areas and bedrooms, this property boasts a basement, providing additional space for various activities. The house features a large backyard, perfect for outdoor gatherings, gardening, or simply enjoying the beautiful Arizona weather. Whether you are looking for room to grow or desire ample space for entertaining, this house offers the perfect canvas to create your dream home. Don't miss out on the opportunity to make this captivating 5-bedroom, 4.5-bathroom house in Chandler your own. Close to freeway and shopping.

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3413 E Equestrian Trail Phoenix, AZ 85044

$1,490,000

6 Beds

4 Baths

5,769 SqFt

Status Active

MLS # 6765363

Property Type Single Family Residence

Price Type --

Step inside this recently renovated estate located in the sought after Ahwatukee Custom Estates community. Everything you need on one property including large pool and custom basketball court sitting on a large half acre lot with three car garage. Home consists of 6 bedrooms with two additional bonus rooms acting as fitness room and office room. 2 of the 6 bedrooms are located in the spacious basement that was also renovated and contains kitchen and living room, great for the ideal man cave or additional living space for guests (basement photos coming soon). High ceilings and grand layout make this home feel larger than it truly is.

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2625 N 24th Street Unit 36 Mesa, AZ 85213

$1,490,000

4 Beds

4 Baths

3,309 SqFt

Status Active

MLS # 6772722

Property Type Single Family Residence

Price Type --

This absolutely stunning remodel was inspired and professionally designed by MARA Interior Design. As you step inside, you're welcomed into an elegant formal living room with a breathtaking view of the pool, spa and glass fire pit through expansive glass windows. The fully remodeled chef's kitchen is a perfect blend of design and functionality, featuring timeless luxury finishes and high-end appliances i.e. Wolf and Subzero. Don't miss the large walk-in-pantry! The kitchen expands into a cozy and warm family room with a built-in fireplace and desk workstation. This 3309 square foot gem has 3 en-suite bedrooms and there's a 4th large bedroom that is currently being used as an office & gameroom. The outdoor area is perfectly manicured and designed... for entertaining - with a huge covered patio, a built-in BBQ, sunlit pergola and lush mature landscaping that's sure to impress. A heated play pool with a baja shelf, a large heated spa and a waterfall feature that lights up the backyard beautifully. The 3 car garage has new epoxy floors, and there is plenty of parking at the RV gate slab. Inside and out, this home in the beautiful community of Estates at Northridge is absolutely stunning! This gated community has private community amenities including greenbelt with Basketball Court, and another Community Sport Court with Basketball, Tennis and Pickleball for residents only. There is a Tot Lot/playground on sand as well. Don't wait to see it or you will miss the chance to own it.

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1004 E Tempe Drive Tempe, AZ 85281

$1,490,000

6 Beds

4.5 Baths

4,186 SqFt

Status Active

MLS # 6774897

Property Type Single Family Residence

Price Type --

Perfect opportunity for luxury living or investment property in the heart of Tempe. Where luxury meets convenience in this stunning 6-bedroom, 4.5-bathroom home boasts an impressive 4,186 square feet of living space with plenty of space to entertain, 2 master suites and 2 kitchens. Sold fully furnished and move-in ready. Step outside and be greeted by a private paradise. The meticulously landscaped outdoor space features a brand new sparkling pool, perfect for those scorching Arizona days or heat it up during the cold season. But why stop there? Ascend to the rooftop deck and take in breathtaking views of the surrounding area - it's the ideal spot for stargazing or entertaining friends. Location is key, and this home delivers. Just minutes away from ASU, Tempe Town Lake, and Scottsdale, you'll find endless opportunities for recreation. Currently run as a successful AirBnb, this is an investors dream. Could be rented as is or converted to 2 separate housing units for additional revenue as there are already separate entrances, seperate kitchens, laundry's, etc. so you would just need close in one small wall upstairs. Since it comes fully furnished it could be up and running in no time. Owner can provide proof of rental income upon request.

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2325 N 64th Street Scottsdale, AZ 85257

$1,488,000

4 Beds

3 Baths

2,637 SqFt

Status Active

MLS # 6733867

Property Type Single Family Residence

Price Type --

PRICED BELOW APPRAISAL! Great value. Experience modern luxury in this newly constructed contemporary masterpiece located near Old Town Scottsdale. Custom designed with high-end finishes throughout, this home offers the ultimate in sophisticated living. The heart of the home is a chef's dream kitchen featuring Fisher and Paykel appliances, perfect for culinary enthusiasts and entertainers alike. Upstairs, the primary suite exudes comfort and elegance, while an entertaining loft boasts stunning mountain views and opens onto a second-story deck through expansive glass doors. On the first floor, a second en suite guest room provides privacy and comfort for visitors. The backyard is a sanctuary with a Thermador swim spa, ideal for relaxation and fitness. Swim against the jets for training or simply relax. This home combines contemporary design with luxurious amenities, offering a lifestyle of comfort and sophistication.

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2993 S Tourmaline Drive Unit 34 Flagstaff, AZ 86005

$1,485,000

3 Beds

3.5 Baths

1,860 SqFt

Status Active

MLS # 6745060

Property Type Townhouse

Price Type --

This highly desirable, luxury condo offers an open floor plan with no steps, a private entry guest Casita, and a spacious walled-in wrap-around patio. Built in 2023, this home is packed with upscale features, including a Sub-Zero side-by-side refrigerator, Wolf oven/range, and built-in microwave. Enjoy Quartz countertops, a 7' kitchen island with bar seating, and a Tongue and Groove ceiling. The custom-built wet bar features a Sub-Zero wine refrigerator and copper bar sink. Additional luxuries include glass-fronted cabinets, an extended stone fireplace wall with a linear gas fireplace, and automated window coverings throughout, including blackout shades in the primary bedroom. Note: Pine Canyon membership is separate and not included. Over $76,000 Additional Upgrades Include: Kitchen dry bar in niche, including a subzero wine refrigerator with matching cabinets and under cabinet lighting. Upgraded Kitchen marble countertops. Fireplace cabinetry with floating shelves. Beams added in living room. Custom chandeliers throughout home. Garage epoxy flooring. Dynomat material between master/shared wall for noise cancelation. Custom built ins in kitchen cabinetry and drawers. Motorized power shades throughout home with blackout. Patio railing with gate that isn't included with units.

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1604 E Sheena Drive Phoenix, AZ 85022

$1,485,000

4 Beds

3 Baths

3,367 SqFt

Status Active

MLS # 6770534

Property Type Single Family Residence

Price Type --

Property is currently in the process of being staged and final punch list completed. 12ft ceilings, single level no interior steps, DESIGNER INTERIOR JEWEL BOX PROPERTY WITH INCREDIBLE VIEWS!!! Unlike anything available on the market currently for sub $2m+. Designer interior and finishes. Bedrosians tile and hardwood. New roof, windows, pool surface and tile, pool filter, solid core doors. TRANE AC units. 3 car garage! Split floor plan. Premium oversized corner lot. Best lot orientation that has views from every room. Get it before it is completed and sold. Buyer to verify all facts and figures.

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11430 E Palomino Road Scottsdale, AZ 85259

$1,485,000

3 Beds

2.5 Baths

2,694 SqFt

Status Active

MLS # 6767594

Property Type Single Family Residence

Price Type --

Welcome to Stonegate, one of Scottsdale's most sought after guard gated communities. Ideally located just minutes from shopping, golf, hiking, freeway access, Mayo Clinic. Perfect for full or part time residents. Resort style amenities include tennis, pickle ball, an olympic size pool, children's play area and walking trails. This light and bright home has been completely remodeled w/ designer finishes throughout which provides a modern yet comfortable vibe. The laundry room even feels like a sanctuary! Located on an interior cul-de-sac lot with mature landscaping and privacy. Walls of glass provide a beautiful transition from indoor- outdoor living where you can relax under the large covered patio or enjoy the resort style pool.Upgraded garage, new roof, new AC units etc.Truly a must see

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