A standard home inspection covers the roof, HVAC, and structure, but a lake home typically has additional components that require scrutiny. Failing to inspect these unique features can lead to costly repairs down the road. Here is your checklist for what to watch out for.
1. The Shoreline and Retaining Walls
The shoreline is your property's first line of defense against erosion and ice damage. Inspect any retaining walls (rip-rap, boulders, or concrete) for signs of shifting, crumbling, or undercutting. Repairs to shoreline infrastructure can be notoriously expensive and often require DNR permits.
2. Docks and Boat Lifts
Docks and lifts are expensive assets. Determine if they are included in the sale. If they are, inspect them carefully. Look for bent frames, rotted decking, and seized motors on lifts. Ask the seller about the installation and removal process—some docks require professional barge service twice a year, which is an ongoing cost to budget for.
3. Well and Septic Systems
Many lake homes, even in developed areas, rely on private wells and septic systems. A septic compliance inspection is often required by the county at the point of sale, but you should also ask about the system's age and capacity. "Holding tanks" (which need frequent pumping) are common on small lake lots where a full drainfield won't fit.
4. Moisture and Drainage
Lake homes exist in a high-humidity environment. Inspect the basement or crawl space carefully for signs of moisture intrusion or mold. Ensure that the lot grading slopes away from the foundation, which can be tricky on properties that slope down toward the lake.
5. Boathouses and Outbuildings
Many older lake properties have "grandfathered" boathouses right on the water's edge. These are incredibly valuable because current regulations often prevent building new ones. However, inspect the foundation carefully—fixing a crumbling foundation on the water's edge is complex due to environmental regulations.
The Bottom Line
Don't just hire a general home inspector. Hire someone with specific experience in waterfront properties who knows to check for these unique issues. It's the best investment you can make for your peace of mind.