Owning a lake house

What owning a lake house is actually like beyond the mortgage: insurance, dock and shoreline upkeep, how often it really gets used, and what owners wish they had checked first.

• Do people regret buying a lake house? Yes, some do, but most don't.
• What does owning a lake house cost beyond the mortgage? Budget $15K to $30K a year on top of the mortgage.
• What do lake house owners wish they'd known before buying? The water level is the whole game.

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