1) Welcome to the forum.
2) You are FI (ish).
You can either pay off your mortgage (I wouldn't recommend that) or continue to pay it according to the amortization and your expenses will drop sharply when it's gone. The numbers below are based on a paid off mortgage.
Before considering health insurance costs, you have 33 times your annual expenses ($33,368-($935*12)=$23,148) saved, or a 3.03% SWR if you like.
After considering health insurance costs, you have 20 times your annual expenses saved, or a 5% SWR if you like.
This also doesn't consider taxes, or health insurance subsidies, or potential rental income (or sales proceeds) from the vacation home.
Have you considered moving to the vacation home? If that's your plan, you can drastically reduce your expenses and retire.
I'm not suggesting you do this now, just letting you know that you can breath easy, work until either you decide you're ready or your employer decides for you. I say all this to let you know that yes, you are likely holding too much cash and to feel free to invest some of the emergency fund.