Things to Think about When Buying a Lake Property

Buying a lake house can be a great investment, regardless of whether you intend to use it as a vacation property or a year-round residence. With that said, you shouldn’t rush into buying a lakefront property just because it’s available. As with any house, there are some things that you should think about before you sign on the dotted line. Here are a few specific considerations you should keep in mind when looking at a lake property that’s for sale.

Higher Moisture Levels

One of the first things that you’ll notice is that there’s more moisture in the air close to the lake. Higher humidity can be unpleasant during the summer, but it also can have a negative effect on your property as a whole. Mold, mildew and other humidity-related damage can occur over time, so it’s important to make sure that properties you consider were built and furnished with this in mind.

High Water Table

Because the property sits close to the lake, you’re going to have a higher water table than you would with more landlocked properties. This isn’t necessarily a bad thing, but if the property has a basement or other underground area then you need to see what effects the water table has on those areas. Keep an eye out for leaks, flooding, cracks or mold that might be a result of the water table being higher than usual.

Lake Access

Having a home close to the lake is nice, but it becomes significantly less nice if it doesn’t offer you lake access that meets your needs. If you have a boat, see if you’ll have easy lake access from your property or if you’ll have to get on the water somewhere else. Likewise, if you just want peaceful evenings to watch the sunset over the water, make sure that there isn’t a busy lake access point or marina close to your property.

Inspect the Water Line

There’s more to consider when buying a lakefront property than just the view. Take the time to walk along the waterline and see what sort of shape the shore and the nearby water are in. Look for signs of erosion in the shoreline and yard and see whether the water itself is choked with weeds or other plant life. You should also look for signs of debris or other indicators of how high the water tends to get when the lake is swollen from rain.

Take a Deep Breath

A lake house can be a feast for the eyes, but those aren’t the only senses you’ll experience your lake property with. Lakes often have a distinctive smell, and in some cases, it can be pretty strong. A little bit of lake odor is usually pretty easy to overlook, especially if your house is set back from the water a bit. For some lakes, though, it can be almost overpowering, especially during the summer months when you’re most likely to want to be out on the lake. Before you buy, make sure that any odors from the lake are tolerable not only for you but also for any guests that you might want to invite out.

Check on Your Insurance

If you’re buying a lakefront home, you may find that it costs more to insure than a property that’s more inland. In some cases, insurance can cost substantially more. That’s not even counting flood insurance or other disaster-related policies that you’ll likely want to take out. Just make sure that the cost of insuring your new lake property isn’t going to be more than you can really afford to take out.

Find the Perfect Lake Property

It can take a lot of searching to find a lakefront property that checks all of your boxes. Fortunately, you can start your search right here!  

753 Properties
Page 1 of 63
$270,000
Subdivision: Villas Of Cottonwood Creek
3
Beds
2F11/2
Baths
1,678
Sq.Ft.
2002
Year Built
1
Day on Site
14456224
MLS
Looking for a low maintenance yet luxurious lifestyle? This gorgeous move-in ready, 2-story townhome is a corner unit on a much larger lot of the cul-de-sac with beautiful serene views of the creek...
$759,000
Subdivision: Woodland Hills
3
Beds
3F11/2
Baths
3,451
Sq.Ft.
1985
Year Built
1
Day on Site
14458226
MLS
Off the beaten path with peace and serenity sits this lovely home with 3 bedrooms suites, each having its own study and bath. Open floorplan with living, dining, kitchen and breakfast all open....
$648,500
Subdivision: W Anderson
3
Beds
2F11/2
Baths
2,443
Sq.Ft.
1999
Year Built
1
Day on Site
14458239
MLS
Back deck overlooking the pond & 13 acres. Main House has 3-2.5. Vaulted ceilings, Rock Fireplace, LG windows. New Hallman Italian Range-Oven, custom cabinets, pressed copper backsplash, granite...
$245,000
Subdivision: Vue Du Lac Rep
3
Beds
2F11/2
Baths
1,450
Sq.Ft.
1996
Year Built
1
Day on Site
14456093
MLS
TERRIFIC OPPORTUNITY on this 3 Bedroom, 2.5 Bath, open-concept home in a wonderful lakeside community. Tall vaulted ceilings in living room, with additional adjacent office space nook OR 2nd dining....
3
Beds
2
Baths
2,113
Sq.Ft.
2008
Year Built
1
Day on Site
14458327
MLS
Custom Built Beautiful 3 bedroom, 2 bath, 2 car garage home on Private Secluded Lake... Did I say beautiful? Breathtaking peaceful setting! This is an amazing home with great views! This home offers...
$899,900
Subdivision: Greenleaf Peninsula
4
Beds
3F11/2
Baths
4,144
Sq.Ft.
2005
Year Built
1
Day on Site
14458330
MLS
Beautiful custom built home on the banks of Lake Waco with amazing views. Enjoy lake views from the living, dining, kitchen, & master bedroom! Kitchen has tons of cabinet space in gorgeous custom...
$290,000
Subdivision: Lake Vista Village Sec II
3
Beds
2
Baths
1,458
Sq.Ft.
2018
Year Built
1
Day on Site
14458179
MLS
Newly constructed, custom craftsman home in the desirable Lake Vista Village waterfront community. Sits on two wooded lots & backs up to a wooded area giving you the sense of peace and tranquility....
$429,000
Subdivision: Sherwood Shores
2
Beds
2
Baths
1,621
Sq.Ft.
1972
Year Built
1
Day on Site
14456890
MLS
**NOT SHOWING UNTIL 10-23-20** TASTEFUL UPDATES THROUGHOUT - SPACIOUS LIVING AREA, VAULTED CEILINGS, FIREPLACE, ENGINEERED WOOD FLOORS - GRANITE KITCHEN COUNTERS, STAINLESS APPLIANCES - GARAGE...
$325,000
Subdivision: Santa Fe Trace
3
Beds
2
Baths
1,655
Sq.Ft.
1985
Year Built
1
Day on Site
14456487
MLS
1-Story, gorgeous, open, bright, Coppell ISD, 3 bedrooms, 2 baths home in Valley Ranch on canal. Beautiful sunrise views from front porch and sunset views from backyard. Large open living, dining...
$299,900
Subdivision: Plymouth Park 04
3
Beds
2
Baths
2,007
Sq.Ft.
1954
Year Built
1
Day on Site
14458480
MLS
Beautifully updated home w modern luxurious design in a great location with water view! Come take a look & you'll fall in love w beautiful flooring, elegant light fixtures, designer's styled barn...
$795,000
Subdivision: Oak Point Ph Three
3
Beds
2F11/2
Baths
2,330
Sq.Ft.
2008
Year Built
1
Day on Site
14458662
MLS
No description available...
$424,000
Subdivision: Mandolin Collection Ph 03 02
4
Beds
2F11/2
Baths
2,844
Sq.Ft.
1990
Year Built
1
Day on Site
14449758
MLS
You've never had views like this! This massive back yard faces a fork in the canal in Valley Ranch. Enjoy from the dining room, kitchen, sit at the breakfast room, wake up to it from the master...
Information is deemed reliable, but is not guaranteed accurate by the MLS or NTREIS. The information being provided is for the consumer's personal, non-commercial use, and may not be reproduced, redistributed or used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Jason Northcutt are marked with the NTREIS IDX logo and information about them includes the name of the listing brokerage.

NTREIS data last updated October 22, 2020.

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