re: What to do with $250K

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The biggest items are a 0% interest on a car note of $500, health related: insurance/medication/Drs/long term health ins $1,700, utilities $500 and groceries/eating out $1,000 and $400 in contributions. That’s $4,100 of it right there.

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That's a pretty high debt load for a retiree, in my opinion. I'm curious how much more time you have on that vehicle. That plus $400/mo on "contributions", is that for your pension and would go away at retirement?

I would consider paying off the mortgage in a 5-10 year time frame while keeping a larger portion of the property gains invested. You could throw $30-50k down at the time of sale to move further down the amortization schedule and pay extra every month or year to meet the 5-10 year schedule. This plan gives you a little time to get accustomed to your new retirement spending lifestyle. I also would probably work another year or two to pay off the vehicle and drive it until the wheels fall off. That $500/mo would piss me off.