What You Need to Know Before Buying a Lakefront Property

There’s nothing quite like waking up to the sound of gentle waves lapping the shoreline or sipping your morning coffee while gazing across a sparkling lake. Owning a lakefront home is a dream for many—but before you dive in headfirst (pun intended), there are a few important things every buyer should know.

Whether you’re searching for a weekend retreat, year-round escape, or short-term rental investment, buying a lakefront property comes with some unique considerations. Here’s what to keep in mind:

💧 Water Rights: You Might Have the View—But Do You Have Access?

Just because a home faces the lake doesn’t mean you can automatically build a dock, launch your kayak, or go fishing from your shore. Some properties are “lake view,” others are “lake access,” and only some are truly “lakefront” with deeded rights. Water rights can vary greatly depending on the lake and local regulations.

✅ Before buying, ask:

Does the property include deeded lake access?
Can you build or maintain a private dock?
Are motorboats allowed on the lake?
Is the lake public or private?

🔧 Maintenance is Different at the Water’s Edge

Lakefront homes face unique environmental conditions. The water, wind, humidity, and sun exposure can accelerate wear and tear on your exterior, decks, and windows. Plus, docks, boats, and shoreline landscaping require regular upkeep.

Expect to:

Pressure wash, stain, or replace decking more often
Monitor erosion or water runoff
Prepare your shoreline and dock for winterization
Replace woodwork and windows sooner due to increased moisture exposure

A great local real estate agent will help you understand seasonal costs and ongoing maintenance that go beyond typical homeownership.

💰 Hidden Costs You Didn’t Budget For

Lakefront living comes with some added expenses. Here are a few you may not have considered:

Flood insurance – even if you’re not in a FEMA flood zone, your lender may still require it
Higher property taxes – lakefront homes are in high demand and usually assessed at a premium
Boat and dock fees – if applicable, especially in private lakes with community oversight
Septic systems – many rural lake homes rely on septic, and maintenance is essential

Before you fall in love with the view, make sure you understand the full cost of ownership.

🏘️ Community Rules & HOA Restrictions

If the home is located in a lake community (like Hemlock Farms, The Hideout, or Wallenpaupack Lake Estates), you may be subject to homeowner association (HOA) rules.

These could affect:

Short-term rentals (Airbnb/VRBO)
Pet restrictions
Types of boats permitted
Dock size and materials
Landscaping and exterior paint choices

A CENTURY 21 Country Lake Homes agent knows the ins and outs of each community and can help you navigate these rules before you make an offer.

🌨️ Seasonal Access & Usage

Not all lakefront homes are created equal when it comes to year-round usability. Some are insulated and winterized; others were built as seasonal retreats.

Ask your agent:

Is the home accessible in winter? (Plowed roads, steep driveways, etc.)
Is the plumbing winterized?
Is the lake swimmable year-round or just in warmer months?
Are there community amenities available all year?

Remember, if you plan to use or rent the property in the off-season, seasonal considerations could make or break the deal.

💡 Bottom Line: Don’t Go It Alone

Buying a lakefront property can be one of the most rewarding decisions of your life—but only if you go in with your eyes wide open. The view might be picture-perfect, but the details matter just as much.

A local expert—like one of our professionals at CENTURY 21 Country Lake Homes—can help you evaluate your options, uncover potential pitfalls, and make the process smooth sailing from start to sold.

🌊 Thinking about buying a lakefront property?

📞 Contact CENTURY 21 Keim and CENTURY 21 Country Lake Homes today.
We know the lake. We know the market. And we know how to bring you top dollar.

East Stroudsburg: 570-476-1851
Greentown: 570-676-4900
Lords Valley: 570-775-4000
Allentown: 610-395-0395
Bethlehem: 610-866-6363

or explore homes now at Waterfront Home Search Pennsylvania