The "15-minute city" envisions neighborhoods where residents can meet daily needs via a short walk or bike ride. Realizing this vision requires not only physical proximity but also efficient and reliable access to information about nearby places, services, and events. Existing location-based systems, however, focus mainly on city-level tasks and neglect the spatial, temporal, and cognitive factors that shape localized decision-making. We conceptualize this gap as the Local Life Information Accessibility (LLIA) problem and introduce AskNearby, an AI-driven community application that unifies retrieval and recommendation within the 15-minute life circle. AskNearby integrates (i) a three-layer Retrieval-Augmented Generation (RAG) pipeline that synergizes graph-based, semantic-vector, and geographic retrieval with (ii) a cognitive-map model that encodes each user's neighborhood familiarity and preferences. Experiments on real-world community datasets demonstrate that AskNearby significantly outperforms LLM-based and map-based baselines in retrieval accuracy and recommendation quality, achieving robust performance in spatiotemporal grounding and cognitive-aware ranking. Real-world deployments further validate its effectiveness. By addressing the LLIA challenge, AskNearby empowers residents to more effectively discover local resources, plan daily activities, and engage in community life.