Retirement in an Equestrian Community – Long Branch Lakes

Summer 2009 Mary-Jo & Mark Trail Ride LBLWhen we baby boomers think about retirement destinations, many of us have a specific lifestyle in mind. We envision certain geographic features, cultural opportunities, and/or outdoor activities that fit our present interests and dreams for the future. This post is about our investigation of a unique retirement lifestyle in an equestrian-oriented community.

There are hundreds of active adult and retirement communities in which the community golf course plays a central role. There is nothing wrong with that for the golf lover. But there has to be more for those of us who like the outdoors but don’t want to spend our days riding around on carts or paying for golf course maintenance.

I like boating. My wife is a horse lover. We both like open spaces in a natural environment and being near the water. We decided to investigate whether there was a place that would accommodate and support all of our retirement lifestyle desires. Was there a community that could bring together a critical mass of others with similar interests? We think we’ve found it at Long Branch Lakes near Spencer, Tennessee.

Discovering Long Branch Lakes

headerimg1Our first contact with Long Branch Lakes (LBL) was through its excellent website. My wife was quite excited to discover the site and LBL because it is only 120 miles from where we live now. She contacted the LBL sales department. We received more information in the mail and were invited to attend a “Discovery Weekend” to learn more about the community.

I was skeptical about attending because so many communities promise a lot more than they deliver. I was afraid that I would see acres of undeveloped land and and “planned” amenities indicated on maps and signs. But the appeal of the community lakes and what appeared to be first class equestrian facilities was too much to resist. We had to check it out.

After several cancellations (our fault), we finally drove to LBL. I was equally excited about visiting Fall Creek Falls, one of Tennessee’s most beautiful state parks located on the Cumberland Plateau. LBL is nearby and arranges for many of its visitors to stay at the park lodge. I had never been to Fall Creek Falls so I figured I didn’t have much to lose even if the LBL part of the trip disappointed me.

Getting There

Most of the trip to Long Branch Lakes from Nashville is by Interstate 40 which takes you to the Cumberland Plateau. The plateau is generally located between Cookeville and Crossville, Tennessee and is one of the most beautiful geographic areas in the mid-South. We learned during our visit to LBL how eager the developers are to exploit yet preserve that beauty. In particular, they are placing a conservation overlay on much of the equestrian property in the development. This will insure that the land remains in its natural, undeveloped state. That is a commendable and important decision to us.

Click for Area Map

The final segments of the drive to LBL take you through rural Tennessee. The nearest towns are Spencer and Pikeville, both small communities to be sure. Living in LBL will involve sacrificing the cultural and practical amenities of an urban area. For some prospective retirees, that would be a deal killer. Others (like us), are prepared for and accustomed to that. The benefits of a quiet lifestyle in a place of natural beauty can overcome the occasional drive to the store. Also, LBL has some projects in motion that will help. More about that later.

Long Branch Lakes Design

LBL is a planned community of 5,000 acres. At present, the developers have created 517 homesites in six different “neighborhoods” as generally shown on this color-coded site plan: LBLthnumb The neighborhoods are intended to take advantage of different characteristics of the land: wooded, lakefront, creekside, and equestrian. It is way too early to get a true feel for how the different neighborhoods will look. Although 25% of the lots have been sold (since November 2008 – which is amazing if you think about our economy), only seven homes have been built with seven more under construction.

What pleased and surprised us is that almost everything you see on the site plan – the roads, docks, athletic fields, pavilions, etc. – are physically in place. This is not one of those early stage developments where the amenities and infrastructure are more wishful thinking than reality. Summer 2009 LBL View from common area near lot 70 d

The lakes are small which is both good and bad. The bad is that if you are a serious powerboater, you are out of luck. Only human and battery-powered boats are allowed on the lakes. The good is that peace and tranquility on the water can prevail.

If you like to fish, the odds are that you will be happy. The larger lakes are now under a Bill Dance certification program which I understand is good for the fish and for the people who want to catch them! I am a fishing novice but I am eager to learn.

Summer 2009 071Many of the lake lots have already been sold, which is understandable. They are the most expensive, of course. They are also unique in that most are multi-acre parcels, so you will not have neighbors staring at each other with docks crammed in together. We decided against a lake lot because we already have a house on a lake in Kentucky and hope to be able to keep it through retirement.

There are many heavily wooded lots at LBL. We were pleasantly surprised to discover during our visit that a couple from Nashville whom we know well was in the process of building a beautiful home on one of those lots. They intend to retire to LBL full-time by the end of the year. We also met another couple from our community near Nashville. They had bought property but were not yet ready to build. There are no forced building deadlines for property owners.

You will notice in the site plan that there is no golf course. We were happy about that because of the expense of maintaining a course which would end up being the responsibility of the homeowners. But all is not lost for golfers. The Fall Creek Falls State Park golf course is only a 15 minute drive. Also, the developers mentioned that land adjacent to LBL may be developed into a golf course in the future, but separate from LBL ownership.

The roads and common areas inside have a distinct natural feel, with lots of rough timber and stone construction. It blends in well with the natural beauty of the area. There are even two covered bridges that have a similar architectural feel. Some of the 30 miles in riding trails run throughout portions of the residential areas.

Another nice design feature is that all of the utilities are underground. The developers are even running fiber-optic cable throughout the community which will come in handy as we all progress to viewing online media content. Goodbye cable and satellite!

Long Branch Lakes Recreational Amenities

1139Summer 2009 LBL Common Area Lake view 2In addition to the Equestrian Center which I will discuss separately, LBL has plenty of recreational infrastructure in place even though only a handful of property owners have moved in. These amenities include lakeside open-air pavilions adjacent to Camp Lake (50 acres of water) and Long Lake (80 acres), boat docks, and bathroom facilities.


The Camp Lake recreational area also has a stunning lakeside heated swimming pool fed by a natural stone waterfall. For the grandkids and visitors, there is also a children’s pool and changing facilities.

For the real athletes, the Camp Lake recreation area includes tennis courts, a basketball court, and softball and soccer fields.

Future Amenities

An extra benefit of our Discovery Weekend at LBL was the presence and participation of Rick Klewein, one of the developers. He was quite accessible and more than willing to answer our questions.

Rick excitedly showed us his construction plans for a “General Store” that will be built inside LBL. This was an important factor to us. The General Store will have a restaurant but more important, a grocery. Without it, buying a gallon of milk or loaf of bread means leaving LBL on a significant expedition.

Rick also explained what LBL is and will be doing to control growth of nuisance plants on the lakes. This has been a problem at other communities we have visited. You have to stay on top of it.

Another structure on the drawing board is a fitness center. This will also be important to building and sustaining a population of full-time active adult residents.

Long Branch Lakes Equestrian Center

Barn0398The Equestrian Center is such an important feature of LBL that it has its own website and resident managers. The facility is located within a 1000 acre “equestrian village.”

The plans are to fully implement the equestrian center in two phases. The first phase was complete when we visited and includes an 8-stall barn, storage barn, working pen, and fenced pastures. The second phase will include a 20-stall barn, indoor riding arena, a rider’s lounge, additional paddocks and pasture areas, and parking areas for horse trailers. The developers and managers want the equestrian facility to be fully capable of hosting different events for horse lovers inside and outside LBL.

Currently, the LBL Equestrian Center offers pasture boarding at reasonable prices and instruction in a variety of different riding disciplines. I am not an expert in anything equestrian but my wife (who is an expert) was impressed with the facilities and with Lamar and Vanessa, the equestrian managers. To me, the facility managers projected both professionalism and a relaxed, easy-going manner. They actually live on the property.

One of the highlights of our visit was the on-property trail ride, guided by Lamar and Vanessa. The trail and pasture areas were picturesque and serenely beautiful.

It’s unlikely that one would become bored riding at LBL. In addition to its own 30 miles of trails, LBL connects directly to the Bledsoe State Forest which has an additional 60 miles of riding trails. All of that is accessible without ever having to load a trailer!

The weather on our ride was particularly enjoyable.  A nice benefit of life on the plateau is that it is cooler compared to middle Tennessee where we now live. That helps with outdoor living in the summer. Also, there was a refreshing breeze which we were told is a regular visitor to the area and which effectively keeps the flying insects away. Horse 5 Summer 2009 Equestrian Center Barn LBL

As a true greenhorn, I was surprised at how much I enjoyed the riding at LBL. It persuaded me that I could easily adapt to horseback riding as another retirement activity.

It was after our ride that I decided that we needed to give LBL serious consideration as a place to buy property. Fortunately, our sales host Buddy Frazier made exploration of the property a pleasant experience.  Buddy was a knowledgeable yet relaxed advocate for the LBL lifestyle. There was no high pressure “what can we do to sell you now” sales tactics too often found at other developments.

Condominium Living at Long Branch Lakes

When we first learned about LBL, the properties being offered were large, single family building lots. I later learned that LBL had decided to build a small condominium neighborhood called “Trout Hill.” This intrigued me. Although we have never lived in a condo, the idea of a low maintenance retirement lifestyle appealed to me.

The Trout Hill site plan was unique because it comprised only eight low-rise buildings arranged in a natural setting adjacent to a small lake. One of the floor plans was just what we needed: Two bedrooms and a solarium in a 1500 sq. ft. single-level, open design, a large porch overlooking the water, and a garage with a storage area. I was determined to investigate Trout Hill.

Here are architectural renderings of the front and rear elevations of a Trout Hill condo building (click to enlarge): Trout Hill Condo Front ElevationTrout Hill rear Elevation

We had to use our imagination when inspecting the Trout Hill site because the building pads had not even been cleared. But after also considering one of the new “bunkhouse” building lots in the equestrian village, we decided that the condo concept worked best for us.

We were the first to place a deposit on a Trout Hill unit. Now we are waiting for construction to start. We are eager to explore a condo retirement lifestyle in an equestrian community.

Final Thoughts on Long Branch Lakes

LBL is unique in several respects. First, it provides a full course of equestrian living with a large helping of lakes, streams, and natural beauty. Second, it is large enough to create an environment where active adults and retirees can build a true community together. Third, it gives a buyer a selection of properties to consider that are diverse in size, geography, and price.

The risks you would take in buying and living in LBL must also be considered. First, with only 7 homes built, 7 more under construction, and an uncertain economy, it could take several years at least before a critical mass of full-time residents is achieved. That’s not a big concern for us because we have time for things to evolve. The second risk is that you might not enjoy the relative isolation. It is a probably a 40 minute drive to a major medical facility, library or airport, with smaller facilities in Pikeville and Sparta. I think we can handle that, as long as we remain healthy.

Sunrise barns 3

If you are a trail-rider or nature lover, isolation goes with the territory and is part of the lifestyle you crave. After all, at Long Branch Lakes, the phrase “riding into the sunset” takes on a literal meaning. I think it will be a good ride.

Photo credits: Some of the photos in this article were taken by us during our visit. Others were supplied by Long Branch Lakes at my request. For the record, Long Branch Lakes did not ask me to write this article or provide any incentive for doing it.


  1. Anita says

    I’m very interested in LBL as a retirement residence. Any more insights? How are the bugs? Snakes? HOA fees? :) Strange grouping, I know! How far and accessible would a hospital, library, grocery store be?

    • Mr. GoTo says

      LBL is remote. The nearest public services will be 20-30 minutes. Bugs and snakes will not be a problem unless you choose to experience the natural beauty of the are while off the beaten path. The HOA fees are not yet set.

      • donofrio says

        We are considering LBL for a retirement location. What is the area like geographically speaking? Flat, mountain… we have looked at properties on the cumberland plateau that were bluff properties. I’m guessing that LBL is in the middle of the plateau.

        • Mr. GoTo says

          The LBL property itself is on the plateau with flat to slightly rolling terrain, much of it wooded. It is not bluff property. However, there are horse trails into more hilly terrain with bluffs, etc. You should check it out, particularly if you are a horse person.

  2. Steve Papke says

    It looks like there has not been a posting on this thread for awhile – so I’m going to jump in and update it!

    My wife and I followed a similiar – but different path – to find LBL. I find Mark’s description and journey spot on. We began our search in 2012. I had researched many areas and LBL was one of three we visited during a vacation. LBL, Buddy, and all the descriptions are exactly what we found. We met many local residents that we just found “down to earth, friendly, and open to share their stories and some – let us walk thru their homes.

    We found many folks had ‘bought on the spot’ – and we felt the same tug… we were fortunate to find a lake lot on Long Lake that was for resale. So we own a lot! Mark highlights the trade-off’s perfectly. We just LOVE the trails, feel and people. But be careful what you wish for – this very peacefulness is ‘remote’. Barring heath issues – most folks said the travel to the stores and cities needs to be planned more, but you get used to it.

    I can’t recommend a visit with Buddy Frazier enough. And Falls Creek Park is spectacular. We are currently starting design of a home, and look forward for other puzzle pieces of our life to fall into place so we can start the journey of moving in.

    I hope to meet you one day for a cup of coffee at the well outfitted General Store. The breakfast\dinner and lunch is more than satisfactory to bump into folks and visit. I felt connected to the past….

    Thanks for a great Blog post.

    Steve and Pat

  3. Lin says

    I am single and looking for a “community” with ACTIVE people. I am in S.C., a few of my clients are looking to move, also…we’d like a active, supportive and connecting group of people…anyone interested??? I’m an older “hippie” woman and my Faith keeps me going!!!! PLEASE, are there any more folks looking to downsize and CONNECT?

  4. renee jones says

    it is now summer 2015, what is new with this community? can my husband and I drive there and meet with someone anytime to see what’s available?

    • says

      We live here…in a Shabby Paradise. Turns out the Developers were crooks, as so many are in communities like this one and they have gone bankrupt and there are several foreclosed on-bank owned homes here for sale. The principal developer has filed Chapter 7 bankruptcy. That being said, there is SO much promise here! We built our home a year ago and got a wonderful house. The horseback riding is awesome and the community is full of friendly, welcoming folks. Right now, the General Store is in limbo and the pool is closed. The roads are in very bad shape. We are told once the foreclosure process is complete there are already 3 interested developers waiting to take it over and hopefully will fulfill the broken promises made by the original developer. Homes are still being built and there are approximately 40 homes here now. The only way you can see it for yourselves is to get a homeowner to let you in the gates. If you like to fish, hike, ride horses, give it a look.

  5. Bill Robinson says

    We are 82 and 70 years old. Would we be too old for the community? We own a horse, but neither of us are good riders, but adore our horse and people who love horses. Cannot tolerate the heat , so would need an indoor arena. What is average temp, winter and summer.
    Bill and Lynn

    • MJP says

      Bill – The developers of LBL are in bankruptcy and the future of this once promising community is uncertain. Until a new buyer is found, I would keep this community off your list.


    • Anita says

      Definitely not too old! Your ages are right in the demographic for LBL. While the future is uncertain at present, I do believe a new developer will soon be taking over and, hopefully, making the needed repairs. While there is not an indoor arena, there is a very good outdoor arena and a lot of nice places to ride on the property. The heat is a problem for me too, we are Washington State natives and do suffer a bit in the summer, but only for about 3 months. The horses are happy and the horse community is wonderful, we all help each other, especially in this time of transition. I would still take a look up here if you can wait a year or so to build or buy. The foreclosure process is almost over and there are a couple of interested buyers for the entire property. There are also several bank owned homes right now that are incredible deals. I would check out Upper Cumberland Realty to see what is listed, I think most of these homes can be had for half price. We are mostly cautiously optimistic for the community. Right now there are 14 boarded horses here and 17 boarded Gypsy Vanner horses as well. Good Luck!

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