By Mary Crowe

Peaceful mornings by the water, afternoons on the boat, and evenings watching the sunset from your deck? Heck yes! But before you finalize your purchase, there are a few important details to understand about lake property ownership.

You’ll Need Shoreline Permits. One of the biggest surprises for new lake homeowners is that you can’t just build a dock or boathouse whenever you want. In most cases, you’ll need approval not only from the county you live in, but also from the power company that manages the shoreline.

What are the Septic and Well System requirements? Lake properties often rely on private septic and well systems. Before you close, make sure inspections are complete and that the systems meet health department standards. If you’re hoping to rent it out for short term vacationers, each county has special rules for that, too.

Know Your Property Lines. It’s also smart to review property surveys before closing. Shoreline and utility easements may limit where you can build or fence, and boundary lines can sometimes be unclear around the water. Confirming these details early helps avoid disputes or surprises with neighbors.

Special Insurance. Waterfront homes may bring unique insurance needs. Some properties sit in flood zones and require flood insurance, while others may need added liability coverage for docks, boats, or vacation rentals.

HOA Rules. Some communities around the lake are governed by HOAs or associations that set rules for boat sizes, rental restrictions, and community use of amenities. Be sure to review these guidelines carefully so they align with the way you plan to enjoy your home.

Water Quality Issues. Stay informed about environmental concerns like harmful algae blooms (HABs), use shoreline-friendly landscaping, and remember to protect both your investment and the lake itself.

Jen Bailey

Hi! I’m Jennifer Bailey and I partner with entrepreneurs who have massive ideas that could change the world. Most marketing is meaningless. Filled with empty promises, its only job is to bring in new traffic, new leads, and new customers. But I’ve drawn a line in the sand, and I’ve learned that marketing can do so much more than reach business goals and build profit. My methods give businesses the fire and soul they need to reach the right people, set the groundwork for sustainable relationships, and offer true value to the people on both the giving and receiving ends of marketing.

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