Tag: lake home

Hidden Costs of Buying A Lake Home: Tips for First-time Homebuyers

Posted on Staff
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It’s no secret that lake property typically costs more. If you are shopping for your first lake home, chances are you’re extremely aware of this! What many first-time buyers don’t know is that there are several hidden costs of buying a lake home that may lie just beneath the surface.

While you are busy falling in love with that gorgeous lake home of your dreams, keep the following factors in mind. Your budget will thank you!

Buying or Building on Leased Lots

Photo by Lal Toraman

Even with a traditional mortgage, buying a lake home may require leasing the land.

This is most common on waterfront property. The power company, the local municipality, or even the federal government may own the lake itself – and that often includes the shoreline.

When you purchase or build a home on a “leased lot,” you enter into a long-term lease with the owner.

These are not complicated, but they can be a significant expense. Leases typically run between $200 and $500 a month and can last anywhere from 20 to 100 years, depending on the area.

When on the waterfront, always find out who owns the shoreline. This can be a huge factor in your budget.

Income and Property Taxes on Lake Property

Photo by Tara Winstead

Lake property is subject to higher property taxes, and if your lake home is going to be a second home, that can make tax season incredibly complicated.

These hidden costs of buying a lake home often don’t pop up until you’ve already been in the home for months.

Many lake homeowners have their primary residence in different counties or even states. Research the local laws and tax rates for your lake home. Don’t be afraid to consult with an accountant!

If you rent out your lake home, you may also be subject to income tax.

Insurance for Your Lake Property

Photo by Mikhail Nilov

Homeowner’s insurance is usually higher for lake homes due to their increased exposure to the elements. Having good coverage is a wise choice to begin with. Unfortunately, that choice might already be made for you.

Local laws and insurance companies often mandate a higher level of insurance coverage for lake homes, including flood insurance.

Remember that you need to get coverage for any additional structures on the property, such as your dock, guest house, or seawall. Your homeowner’s insurance policy may not cover them automatically.

Flood insurance should always be seriously considered for lake property. After the floodwaters recede, this protection can mean the difference between a serious hassle and a financial disaster.

HVAC and Septic Systems

According to Wally Cawthon, a Lake Homes Realty agent on Jackson Lake, Georgia, “The two biggest unexpected and preventable expenses for first-time lake home buyers are repairs to HVAC systems and septic systems. If buyers take proper inspection measures, they can avoid these in almost every case.”

Many lake homes, especially in rural areas, use a septic system.

These need to be inspected regularly to ensure they don’t pollute the local water table or the lake.

Never purchase a lake home with a septic system without having it professionally inspected first.

This typically costs $200 to $500, and is money well spent. Replacing a seriously damaged septic system can easily cost up to $7,000.

HVAC systems should also be thoroughly inspected before buying.

A home that looks picture-perfect when the weather is mild can still house an HVAC system long past its prime.

Buy without inspection, and you may be in for a rude surprise (and an even more rude repair bill) when you take ownership.

Outdated HVAC systems can also run up your electricity expenses, especially in the chilly winter months.

Building and Maintaining Boat Docks

Lake house floating boat deck
Photo courtesy of Custom Dock Systems.

Building a dock on your property is no small project. According to homeadvisor.com, the average homeowner spends $14,907 on dock construction.

Depending on the specifications, a high-quality, permanent dock can cost more than $50,000. Factors such as size, water depth, climate, and other factors all contribute to this cost.

If part of your dream home involves building a dock, get a professional estimate on dock construction, then factor that cost into your budget for the new home.

On the other hand, you may have your eye on a property that already has a dock.

If so, ask the selling agent if they know how old it is. Most wooden docks last 20 to 25 years. Purchasing one that is due to be replaced can be a serious hit to your wallet!

Know how your homeowner’s insurance policy covers your dock. Many policies cover the structure against incidental damage, but not against damage from flooding, freezing, or thawing.

Unanticipated Utility Expenses

Many lakes are situated in pristine, secluded, rural areas. This means that power, water, cable, and other utilities often come at a premium.

Sometimes, lake homes need a dedicated “land line” for the telephone. Between the rural locations and limited cellular service providers, you never want to rely entirely on a cell phone.

This may seem like a trivial concern; however, lake homeowners can attest that these hidden costs of buying a lake home add up quickly.

You will find this doubly true if your lake house is a second home. This is why many lake homeowners “winterize” their homes in the winter months, cutting off power, gas, and water when they aren’t in use.

Rules and Regulations of Homeowners’ Associations

Person signing homeowner association contract the hidden costs of buying a lake home
Photo courtesy of Nick Youngson CC BY-SA 3.0 Pix4free.org

Last but not least, many lake homes are part of a homeowner’s association.

These associations often serve the same role as small-town municipalities around the lake itself. They maintain the lake, establish local regulations, and preserve the area’s natural beauty.

Homeowner’s association dues usually make up a small, but mandatory, annual cost.

It’s a good idea to acquaint yourself with the association before purchasing the home. This can give you an inside look at the local culture, including your future neighbors!

Do the Research

These are the most common costs to consider. When researching a lake home, be sure to factor these into your budget early in the process.

Curious about the hidden costs that come after the purchase of a lake home? Read our article, “The Hidden Costs of Owning A Lake Home: Tips for First-time Buyers“, or find more advice and tips on lake living here.

This article was originally published on May 24, 2017.

The Hidden Costs of Owning A Lake Home: Tips for First-Time Homebuyers

Posted on Staff
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Before purchasing your dream house, you may have looked into the hidden costs of buying a lake home.

Now that you’re moved in, you might be wondering what it’s going to cost to keep the place in tip-top shape.

You may encounter several smaller, but occasionally higher, costs when maintaining your lake home. These add up, and the bottom line can catch many first-time homebuyers by surprise.

Here are some of the most common hidden costs of owning a lake home.

Understand that Common Lake Home Repairs are Inevitable

Lake homes are often situated on gorgeous plots of land, offering stunning views of the water and the surrounding natural landscape.

Because of this, lake homes are often more exposed to the elements, which can increase wear and maintenance needs depending on location and climate. The wind and rain, the lake, and even the trees around your property can contribute to these hidden costs.

On average, lake homes require more frequent upkeep and maintenance. Common repairs and their causes include:

  • Damage due to wind and storms
  • Roof or structural damage due to falling tree limbs
  • Foundation issues due to fluctuating water tables
  • Siding replacement due to wind damage
  • Mildew due to high moisture content in the air
  • Damage due to wildfires (most common in western states)
  • Flood damage

Landscape and Curb Appeal Upkeep are a Must

Remember that you are responsible for the entire property you own, not just the house itself! Lawn upkeep, landscaping, tree trimming, and other costs can be a heavy financial burden.

For homes with forests or large trees nearby, tree trimming is a must.

Limbs overhanging your property or power lines could do serious damage. Spending a few hundred dollars to have a professional remove any overhanging limbs can save you tens of thousands of dollars in damage.

Don’t forget the shoreline.

If you own a waterfront property, you may be responsible for the seawall. This structure protects your property line from erosion. Repair estimates vary, but installation can cost more than $100 per linear foot, depending on materials, permits, and location.

If this is not your primary residence, you will need to hire someone to mow the lawn regularly. Your neighbors won’t appreciate having an overgrown field next door!

Many lake properties are also located on hills or steep inclines, too. Don’t assume that your push mower will always do the job.

Consider Future Home Improvements and Upgrades

Once you have bought your lake home, you may want to customize it. Plans to improve the property are often made before it’s even been selected.

If you have your heart set on any of these improvements in the first few years, be sure to calculate that into your long-term budget.

Many first-time lake home buyers neglect to include these in their budget when shopping for a lake home, even if they fully intend to install them.

  • Deck
  • Hot tub
  • Barbecue grill
  • Swimming pool
  • Garden
  • Guesthouse
  • Firepit
  • Energy-efficient windows/lighting

Be sure that any improvements comply with local laws and regulations, too. Many lakes require special construction permits. Also, be sure to look into how to find the right contractor for the job if you won’t be the one completing the projects.

Maintaining Your Dock is Non-Negotiable

The average wooden boat dock lasts roughly 20-25 years. However, lifespan varies depending on factors such as climate, materials, and maintenance.

Repairs may only cost a few hundred dollars, but replacement can cost several thousand. Factors such as climate, size, and water depth factor into this cost.

If you plan on owning your lake home long-term and have a dock, chances are it will need to be replaced eventually.

This process will accelerate if your lake freezes over in the winter, too. Freezing and thawing over several years will inevitably deteriorate any material.

Two of Everything Rule for Secondary Lake Homes

For people with a lake home as their secondary residence, there is what we call the “two of everything” cost. For everything you keep at home, you will need at least one more set for your lake home.

Buyers rarely budget for this, but it adds up incredibly fast. Don’t fall into the trap of assuming that you’ll just ferry everything from your primary residence to the lake home every time, either.

  • Furniture
  • Appliances
  • Cookware and dinnerware
  • Sheets, linens, and towels
  • Decorations
  • Tools
  • Toiletries
  • Cleaning supplies
  • Children’s toys

This is also true for utilities.

Remember, owning a second home means having two power bills, two telephone bills, two water bills, etc.  These costs can become substantial if not carefully budgeted.

Many experts highly recommend a security system for any secondary residence. Houses that are not lived in full-time are especially vulnerable to break-ins.

Even if you visit every weekend, having a security system in place can give you great peace of mind.

Having a security system can give you real peace of mind if you go weeks or even months without visiting your lake home.

Cost of Entertaining Guests is Often Overlooked

Frequent guests and entertaining can be one of the most unnoticeable, and often the highest, costs of owning a lake home! This can include your extended family, your neighbors, friends, coworkers… anyone you invite over to enjoy your beautiful new lake home!

Lake homes can serve as the perfect getaway for you and your loved ones. However, the hidden costs of playing host can add up quickly. Especially for a large lake house.

For large gatherings, don’t be afraid to ask guests to chip in food, beverages, or other supplies. This can help offset what would otherwise be a huge cost.

It is difficult to estimate many of these costs in advance. Still, if you spend a little time on them, they can give you a much better idea of your budget.

You will be much better prepared to not just buy your lake home, but to enjoy it for years to come.

For more advice on purchasing a lake home, read “Hidden Costs of Buying A Lake Home: Tips for First-time Buyers“.

This article was originally published on May 26, 2017.

Deeply Rooted: Billy Reid Refashions the Family Cabin on Alabama’s Wilson Lake

Posted on Jeanne Delathouder

Estimated reading time: 10 minutes

Billy Reid and family with dog on steps in front of Wilson Lake, Alabama

Photography: Robert Rausch

One look inside Billy Reid‘s family cabin, and it becomes apparent that his eye for style extends far beyond his flair for fashion design. Celebrated for his line of modern Southern clothing—with 15 boutiques across the country—Billy’s innate sense of form and function seeps through the entire home, from room to room. Perched above Shoal Creek on Wilson Lake in Northern Alabama, the seven-acre site tucks into a lush canopy of hardwoods just beyond the water’s edge. Billy and his wife, Jeanne, bought the property in 2015. Over the next few years, while working nights and weekends with their local carpenter friend Sam Magill, they handcrafted a highly personalized space that truly embodies who they are as a family.

Treehouse Vibe

exterior reclaimed family cabin by Wilson Lake

“We wanted to create a loft-style space with tons of light and the feel of a large treehouse,” Billy says. “The cabin is surrounded by trees and situated on Shoal Creek, connected to the Tennessee River. It’s incredibly private and is barely visible from the water.”

When the project started, the couple knocked out walls and dropped ceilings in the top-floor living area. In addition, they incorporated what was once the screened porch into their open floor plan to increase the square footage. Next, to resolve the lack of an open-air porch, they outfitted the back and sides of the house with floor-to-ceiling windows. This created a breezy indoor-outdoor effect—perfect for when southern temps start to cool down in the fall.

“The back deck leads to a walkway along the water line to a private boat dock and sun deck, where we spend a ton of family time in the summer with our friends,” notes Billy. “Someday, we’d like to develop the property with tiny houses for the family. But that will have to wait a few years. We worked on the space for six years, completing project after project until finally putting it all together. It’s been a labor of love, and now that it is somewhat finished, we can fully enjoy it.” 

Visually Connected

View of dining room, living room, and fireplace in reclaimed family cabin

By knocking down walls and absorbing the screened porch into the house, the couple created an effortless open floor plan. As a result, their family cabin visually connects the living spaces while capturing the woodland view from nearly every vantage point. “With the large windows, the woods and water become a backdrop,” says Billy. “I feel that keeping the interior colors neutral is more compatible with the outdoors and helps the space stay bright.”

The couple installed a mixed species of reclaimed flooring and left it unfinished to generate warmth and a modern vibe. They used pine plank walls throughout—there is not one piece of Sheetrock anywhere in the house. In addition, the Reids also chose a soft white hue to allow the warmth of the old flooring—reclaimed from a South Carolina home built in 1840—to shine through, emitting a light, clean feel. They applied the same shade on the walls and ceilings to ensure fluid continuity and bring out the wood’s well-worn patina. “Some people don’t like that,” adds Billy, “but I think it creates a new life while leaving visible character.”

Billy and Jeanne integrated their love for meaningful décor and quirky furniture finds into the space. Plus, they often design their own furniture. For example, the dining table is a flea market find—a metal frame foldable school cafeteria table they reworked with reclaimed wide-plank pine. “We built in personal touches through the use of materials,” Billy notes, “like the salvaged pieces of a staircase from my great-grandmother’s house we used on the stairway down to the lower level.”

Repurposed Chandelier

living room chandelier made from reclaimed driftwood

“The focal point of the family cabin is a massive chandelier made from driftwood I collected from the creek,” says Billy. “I used an iron chandelier from our garage and stacked driftwood on the fixture to create a large hive. Then, we secured it and electrified it with a dimmer switch, creating some really cool lighting effects.”

A tufted sectional wraps the space in front of the whitewashed fireplace and defines the living area. The coffee table is another of Billy’s handcrafted creations using leftover marble pieces inlaid into reclaimed LVL beams. For an adjacent seating area by the windows, the couple repurposed an oversized leather ottoman to incorporate book storage. They paired it with conversation benches made from leftover church pew ends from an 1850 church in Vicksburg.   

“We are huge sports fans, so we built a TV into the den and kitchen to allow 360-degree viewing,” Billy adds. “The open format of the space makes it possible for everyone to have a great seat when entertaining for a game or pregaming with friends. Having the kids and their friends over is a consistent occurrence, and really some of the best times and memories throughout the years have been made at the cabin.”

Private Island

handcrafted counter-height island in eat-in kitchen

Billy and Jeanne’s plan to fold the existing screened porch into their interior layout paid off. For example, it allowed them to add an eat-in kitchen, an adjacent reading nook, and a corner studio space along a vast expanse of windows. The couple handcrafted a makeshift counter-height island from marble scraps inlaid into reclaimed LVL beams. The open shelving—a brilliant concept for a wall of windows—displays aesthetically pleasing necessities without obstructing the view.

Culinary Artistry

kitchen with open shelving displaying family collectibles and artwork

The kitchen surprisingly houses some of the family’s most eclectic and meaningful artwork and collectibles acquired over the years. Here, sculptural driftwood mingles with flea-market finds, framed miniature paintings, and a black-and-white photo from the first-ever Billy Reid photo shoot. “I believe art should have some personal meaning,” says Billy. “Our art is mostly from friends, sentimental finds, gifts, and various family-made pieces.” 

Seamless Studio Space

Billy Reid's home studio with Ekornes chair

Situated in perhaps one of the best seats in the house, Billy’s at-home design studio carves out a private workspace yet blends seamlessly with the surrounding interiors. “My office and studio are at the cabin, so it’s used regularly,” he says. “It’s just 20 minutes from our house in Florence, so it’s super convenient for us to get there often.” 

Whether working or relaxing, Billy says his favorite spot is his black leather Ekornes chair. Both stylish and comfy, it sits in the corner and nestles amidst the trees and water.

Rustic Comfort

Owners' bedroom that opens to back deck

Tucked into a cozy enclave on the far end of the house, the master bedroom offers a private oasis that visually connects to the woodsy landscape. Bedroom doors on the creek side open up to the back deck, allowing fantastic water views and easy outdoor access. A layering of bedding, pillows, and billowy floor-length curtains lend a soft touch to counterbalance the room’s rustic elements and driftwood accents. “We used leftover textile scraps from our collection to make bedding and decorative pillows,” says Billy.

Spa Serenity

Owners' luxurious spa-like bathroom with soaking tub and Alabama marble accents

Next, the Reids converted an unfinished space that was formerly under the old screened porch into a master suite that includes a luxurious spa-inspired bathroom. Clad in Alabama marble, an extra-long soaker tub spans the length of a wide window revealing tree-canopied lake views. Plus, a matching vanity features large double mirrors that amplify the scenic setting. With this addition, the couple’s reclaimed family cabin takes on a fresh and modern aesthetic.

downstairs hallway with colorful artwork by Butch Anthony

Visible from the top level, a colorfully funky composition by local artist Butch Anthony entitled Never Sell the Farm draws the eye to a refurbished downstairs area. Formerly an unfinished basement, the space held two bedrooms that were both affected by flooding. “We diverted the flooding and replanned the layout to include a hallway, mud room, laundry area, two bedroom suites, two baths with a soaking tub and steam shower, and a third bunk bedroom,” says Billy. “We built generous storage areas and cabinets downstairs to accommodate lake and household supplies and large closets to accommodate full-time living.”

Wrapped in White

downstairs guest room with all-white palette and built-in shelves

Despite being downstairs, this bedroom’s all-white palette emits a bright, cozy feel. Layers of bedding piled high and a plush area rug underfoot lends both tactile and visual softness. In addition, built-in shelves and drawers surround an inviting window seat and stow an abundance of books, collectibles, and guest essentials. Perfect for overnight visitors, this delightfully private space adds yet another element of versatility to the family cabin.

Vertical Space

downstairs bunk room with bright orange bedding

Built-in bunk beds bring another innovative, handcrafted touch to the downstairs area and guest quarters. Bright orange bedding, quirky memorabilia, and a bold, patterned rug give a visual punch to the whitewashed space.

Porch Appeal

Front porch of reclaimed family cabin with grilling station and intimate seating area

Pieced together with repurposed railroad ties, the front porch embodies the rustic charm that emanates throughout the family cabin. A grilling station is conveniently situated just steps from the double-door entry near the kitchen. Plus, intimate outdoor seating offers a peaceful ambiance for morning coffee or alfresco entertaining. Undoubtedly steeped in southern culture, Billy—having grown up in Louisiana, just south of the Mississippi border—says his roots don’t necessarily define his sense of style. “We don’t really design spaces with the idea of being Southern,” he explains. “We put our point of view on decorating—a warm mix of found objects and self-designed pieces, blending the modern with the reclaimed. Hopefully, that results in an inviting, warm, and personal space. The Southern aspect is really just a result of being ourselves in the process—nothing intentional.”

5 Tips for Sticking to a Renovation Budget

Posted on Lacey Spear
Lake house
Photo Courtesy of Dwell

So you’ve bought the lake home with a stunning view, and now you’re ready to tailor the interior to fit your needs. Renovations are an excellent way to increase your home’s value and incorporate unique features. However, sometimes unexpected problems arise, but fear not—you can easily stick to your renovation budget with some strategic planning. 

1. Conduct Extensive Research 

Drawing of kitchen remodel
Photo Courtesy of The Family Handyman

Dazzling images of your dream kitchen and master bedroom swirl through your head. And you’ve scrolled through dozens of Pinterest boards to finalize whether you want quartz or marble countertops. However, not all materials are created equally, and it’s crucial to note price points before sketching out renovation plans. Plus, you must factor in the cost of labor. 

As Dwell contributor Kate Reggev points out, the more you plan, the fewer changes you make later and the less money you spend. So, it’s important to detail every renovation you want to integrate—even the minuscule ones. As Imran Hamidi, principal at Laing + Simmons East Group, explains, extensive planning forces you to ponder which additions enhance the value of your home. If you research thoroughly, you can avoid needless spending and stick to your renovation budget.

2. Be Intentional During the Bidding Process 

Contractor talking to couple in front of renovated house
Photo Courtesy of Freedom Mentor

When you are eager to move into your lake home, it can be tempting to rush the renovations. However, it’s essential to explore your options before coming to a decision, especially during the bidding process. When selecting a contractor, many renovation experts advise reviewing bids from at least three contractors to make an educated decision. 

Although selecting the cheapest contractor may seem economical, you could save less than you expect. Quality matters and an inexpensive contractor might end up leaving tasks unfinished. Home Advisor recommends hiring a contractor with a good reputation, noting, “When it comes to home renovations, you have to spend money to save money.” Additionally, Family Handyman contributor Rachel Broughman suggests researching what others have paid for similar renovations. She proposes not selecting the most or least expensive contractor but finding the median between the two. 

Additionally, consider hiring a contractor with fixed rates. As NAB (National Australian Bank) explains, “It could be worth the extra you pay to know exactly what you have to pay for upfront—and make it much easier to stick to your budget.” This way, you won’t have to scramble to readjust your budget later if unexpected issues arise. 

3. Safeguard Against Potential Problems 

Photo by ThisIsEngineering

If you’ve watched HGTV long enough, you know renovation horror stories. Although many homeowners encounter minimal renovation issues, it’s paramount to safeguard against potential problems. Electrical or plumbing issues can lurk behind perfectly painted walls and go undetected until the demolition process. Most experts recommend setting aside 15-20% of the contractor’s renovation cost to confront these unexpected issues. This amount may sound like a hefty sum, but it guarantees these repairs won’t sink your budget. Plus, if you do not encounter any problems, you will have extra funds to invest in renovations you might have initially shelved. 

4. DIY When You Can 

Repurposed furniture before and after
Photo Courtesy of Amazing Interior Design

Unless you have extensive renovation experience, you should leave the plumbing to the professionals. However, there are some basic renovations anyone can accomplish. Most contractors will charge you for any extra work, so taking care of minor repairs in advance can help you stick to your renovation budget. For example, you can easily fill in holes in the wall or nail down loose floorboards. Furthermore, Chris Dossman, a real estate agent in Indianapolis, says that removing and discarding your old carpet can significantly cut labor costs on the installer’s bill. Then, when the contractor comes in, they can focus on major repairs. 

You can take on design-oriented projects like painting rooms or repurposing furniture. With countless DIY videos on the internet, you can spruce up your home and avoid an expensive trip to the furniture store. Lake Homes Lifestyles also has helpful DIY tips to get you started. 

5. Know When to Splurge and When to Save 

Photo by Mark McCammon

Splurging does not equal excess when you’re increasing your home’s value. Reggev pinpoints windows, appliances, and doors as a few key examples of where you can splurge and gain revenue in the long run. To decide when to splurge, Hamidi recommends splitting your budget into needs and wants, with essential items falling under the needs category. The needs—such as adding an extra bedroom or bathroom—will increase your lake home’s value if you decide to sell it. On the other hand, an outdoor waterfall might be a unique feature, but it isn’t guaranteed to enhance your home’s marketability. Therefore, it would be better to cut that expense than the extra bathroom—and having your renovations categorized simplifies this decision. 

According to Zillow, you should spend no more on each room than the value of that room as a percentage of your overall house value. For example, a kitchen generally accounts for up to 15 percent of a home’s value. So if your lake house is worth $500,000, you wouldn’t want to spend more than $75,000 on the kitchen. Also, consider undertaking several renovations simultaneously. For instance, if you decide to replace your home’s flooring, it would be better to install the new flooring throughout the entire house. It is easier for laborers to accomplish all of this at once, saving you more money in the future. 

There’s nothing like enjoying a breathtaking lake view in a home perfectly tailored to your taste. With these five tips in mind, you have the necessary tools to stick to your renovation budget and turn your lake house into your dream home. 

Camp MINOH: Rustic Lake Home on Lake Michigan

Posted on Jeanne Delathouder

Estimated reading time: 7 minutes

Photography by Matthew Carbone
Architecture: Daniel Kaven and Trevor William Lewis, William / Kaven Architecture

Just a few miles north of downtown Charlevoix, this stunning lake home graces the dramatic, windswept shores of Lake Michigan. Nestled among pine and birch trees, the house is positioned to face the intense winter winds that charge across the lake from the Upper Peninsula and Canada. Designed as a vacation home for a multi-generational family, the dwelling is ideally situated for outdoor activities and adventures in the summer, yet feels snug and protected throughout the long—and often harsh—cold winter months.

Before the build, the owners consulted with architects Daniel Kaven and Trevor William Lewis, brothers and collaborators at their Portland, Oregon-based studio, William / Kaven Architecture. The architects were tasked with creating a comfortable residential structure yet with strength and scale that matched the great body of water that can be viewed from every room in the house.

“When we begin any project, the first thing I do is walk the site, film, and take pictures,” explains Daniel, who led the project for its duration. “During the design phase, I often reflected on that moment of first facing the lake and its power. So we knew we wanted to design a structure commensurate with the drama of Lake Michigan.” The owners affectionately named their new lake home Camp MINOH, an acronym for Michigan, Indiana, and Ohio—all special places where they have lived.

Rugged Elegance

When the project began, the architectural team opted to keep the overall color palette understated to spotlight the home’s scenic natural setting. On the exterior, they used cypress Shou Sugi Ban, a Japanese technique used to extend the life of the wood by charring it. This ensured the house would stand up to the extreme exposure to storms and UV light.

“We were inspired by the textures of the site,” says Daniel. “The western shores of the lake are rocky, with prevailing winds from the west. Vast stretches of soft sand beaches and dunes line the eastern shores. The northeastern shores near Charlevoix are sculpted by large bays and dotted with inland lakes. We felt that the charcoal-like, distressed texture created by the Shou Sugi Ban would evoke the craggy surfaces of the natural surroundings, such as the wind-beaten trees, rocks, and sandy hills.”

Site-cast concrete balances the dark wood and contributes a rawness, strength, and subtle elegance to the exterior. Expansive glazing presents shimmering reflections of the trees and water and allows the residence to further blend into its surroundings.

Dramatic Entrance

Although spare and simple in design, the massive entrance hall is still visually impactful with its well-balanced mix of natural finishes. The space’s grand proportions and apparent emptiness create an immediate sense of tranquility upon first entry. Even the family dog finds it utterly relaxing and the perfect place to soak up the sun.

“Early on, the client expressed a desire for a rugged, low-maintenance home—a stipulation that informed the simple interior palette,” notes Daniel. “Exposed Douglas fir beams make up the ceiling, while dark and rich tones of walnut and polished concrete floors anchor the space.” 

Boldly Built

The ground floor is the main gathering space, with a long and linear connected floor plan, stunning views, and a blackened-steel wood-burning fireplace. The upper floor is highlighted by rift-sawn white oak, creating an intentional contrast to the ground floor below. An upper cantilevered living section and framed views of the lake add to the concept of airiness, serving to connect the interior space with the dramatic exterior environment. “We designed Camp MINOH to be a highly customized refuge for extended family gatherings, with large, open communal spaces and cozy nooks for privacy,” notes Daniel. “The interior plays between opaque and transparent spaces to showcase the beauty of the site.”

Beautifully Blended

Camp MINOH is furnished with comfortable but refined modern pieces in primarily neutral tones to deliver a sense of serenity and comfort. Furnishings were kept minimal to allow the inherent beauty of the architecture to speak for itself.

“We selected an oversized leather couch for the living room to give a rustic, cabin-like feel, as well as to anchor the space,” notes Daniel. “A mix of bright and dark gives the house a quality of solidity and boldness without crossing over into the realm of heaviness.”

Sleek Efficiency

The team knew they wanted to design a sleek, energy-efficient kitchen and include visual references to elements of the rustic Midwestern landscape, including a nearby old barn that had been charred in a fire years before. Richly toned, black walnut cabinetry with a continuous grain defines the boundaries of the kitchen and the living room.

Raw Beauty

A significant design priority was to convey a distinct sense of tranquility, which the architectural team achieved by incorporating floor-to-ceiling windows that highlight the vivid year-round sunsets and frame views of Beaver Island. The home’s exterior is composed of concrete, charred wood, glass, and steel. On snow-covered days, the family enjoys the stark beauty of winter across the vast waters, and on summer nights, they spend time on the concrete patio around the fire pit.

“During the design process, we conducted detailed material studies of polished finishes juxtaposed with rough-hewn textures to discover ways of echoing the rugged terrain, diverse weather systems, supernatural winter shores, and slick lake surface,” says Daniel.

Tranquil Transparency

Both levels of the home are highly transparent upon approach, and from the road in, visitors can see clear through the house to the lake. The second floor features a private den for film viewing, a bunk room, and two-bedroom suites.

“One of my favorite features of the composition is the glazed cantilevering upper level that gives you the sense of floating into the forest with unobstructed views of the lake,” says Daniel.

The family uses Camp MINOH as a vacation retreat rather than a year-round home, but they visit in both the warm and cold months. The shared family vision for this Northern Michigan home was a retreat that would offer communal shelter in the depths of winter and serve as a gathering place for long summer nights.

“Our versatile design allows for this,” Daniel adds. “Camp MINOH is also intended to be used by various generations and age groups. By designing a home with flexible spaces and adaptability, we ensured that many combinations of family and friends could be comfortably accommodated for years to come.”

Whiteboard Topics: Has The Lake Real Estate Market Peaked?

Posted on Kamari House

It can be difficult to determine if the market has reached its peak when you’re not familiar with real estate patterns. Lake Homes Realty’s CEO, Glenn Phillips, breaks down three factors that are affecting the market as we know it.

  1. Modern Increase in Inventory: There are several components that go into this, some of which include: the economy, buyer fatigue, and life post-pandemic. Searching for a home, in a market this intense, can become overwhelming, and the effects are starting to show themselves.
  2. Days-on-Market Up: Homes aren’t flying off the market as they once were. This is a clear indication that the frenzy is starting to slow down.
  3. Fewer Offers: The competition isn’t as fierce as it once was. Homes are no longer being flooded with offers as soon as they reach the market.

Although noticeable changes are being made, this isn’t to say we are in a bubble or about to crash. Now is still a great time to sell your lake home for a return on your investment. On the other hand, if you plan to buy, waiting a little longer may lead you to more opportunities.

Whiteboard Topics: 5 Home Pricing Mistakes Sellers Must “Get Over”

Posted on Kamari House

Selling your lake home can be challenging when you don’t understand the importance of proper pricing. Lake Homes Realty’s CEO, Glenn Phillips, shares five pricing mistakes sellers must “get over.”

  1. What You Paid for the Property: Buyers do not care what you paid for your property. Your pricing must be based on the current market, and not the one when you bought it.
  2. Prices of Nearby Homes for Sale: Ignore the prices of nearby homes that have been on the market for some time. These unsold homes are more than likely overpriced.
  3. Your Personal Effort: Just because you have put personal effort into your home doesn’t mean the market price will reflect what you feel it’s worth.
  4. Rumors of High Sales Prices: Outliers do exist, but you shouldn’t overprice your home because of them. Use the average sales prices as a guideline.
  5. Taking Low Offers Personally: Disregarding low offers can close the door on potential opportunities. Be sure to respond in order to begin the negotiation process.

Your lake home will never leave the market if you don’t do the proper research when listing it. Sell it for the right price in this real estate market now with these tips so you’ll know what to avoid!

Austin Lake Home Living: Scenic & Serene

Posted on Jeanne Delathouder
Photo courtesy of Dror Baldinger, FAIA Architectural Photography

This stunning home perches high above beautiful Lake Austin and epitomizes easy lake living for a couple seeking their lakeside dream home. Situated along the west bank on a steep 1.2-acre wooded lot, the dwelling was originally built in the 1950s as a rustic, hexagon-shaped waterfront cabin. In the 1970s, the structure was renovated with a small addition. Captured by the site’s exquisite location and scenic beauty, the new homeowners didn’t hesitate to purchase the property. In 2014, they called on Austin architect James LaRue of LaRue Architects and interior designer Laura Britt of Britt Design Group to assess the initial design concept and thoughtfully integrate a new modern aesthetic that would also pay homage to the home’s architectural heritage.

Modern Makeover

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

Intrigued by the original construction of the building, the design team knew immediately they wanted to remove the 1970s addition yet keep the hexagon shape that was formerly the main living area. “The challenge was to intergrade a modern home design concept into the hexagon geometry while ensuring the final architecture became a cohesive building,” says LaRue. The site also had dramatic topography—environmental constraints due to its waterfront location and several large trees required to remain—so the design team had to address the heavily treed, steep lot that slopes down 120 feet from the back of the house to the shoreline. “The site constraints drive the entire design of this home,” says the architect, “and the finished result responds in a very beautiful way to those constraints and to its heritage.” The team collaborated with Classic Constructors during the build. 

Dogtrot Design

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

LaRue’s initial design concept was to convert the hexagon living space into the master bedroom suite with expansive lake views. “We then connected the hexagon building with a long, narrow form—or dogtrot—running parallel to the shoreline,” he explains. “This design concept allowed us to address the steep nature of the site, preserve the large pecan trees, and allow every space to have views of the lake,” he sums. The exterior materials include expansive glass windows and doors, metal panels, and limestone.

Eclectic Energy

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

Dappled with natural sunlight, the new hexagon master suite boasts spectacular lakefront views. “A hand-woven wool rug and sumptuous bed linens bring an element of softness to balance the refined rusticity of antique wooden pieces,” says Britt, who worked closely with LaRue to ensure her interior design concepts would complement the home’s modern architectural style.

Gracious Guest Space

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

The new four-bedroom house is constructed in a long single-story L-shape with the private spaces anchored by the re-configured original structure on one end and a semi-detached guest suite on the far end of the horizontal design.

The spacious 4,100-square-foot Hill Country contemporary residence is now the owners’ primary dwelling. “The couple live an active lifestyle and love to travel but consider this their home base,” Britt explains. “They enjoy their living room space frequently, and their welcoming guest house is almost always in use.”

Effortless Ease: Indoor/Outdoor Access

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

The newly designed house now has a strong connection to the outdoors, with large expanses of glass throughout. “The public spaces are aligned along the center of the building with views of the lake and joined together by the open dogtrot-style outdoor living space, which overlooks a beautiful pool as well as Lake Austin,” says LaRue. “The outdoor space has a generous roof overhead with a warm wood-clad ceiling that protects it from the scorching Texas heat and intense thunderstorms,” he notes. In addition, this all-seasons area features a bug screen, lounge furniture, and a grand fireplace that allows for cozy gatherings during the winter months.

Panoramic Punch

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

“This home is all about panoramic views to the lake and expansive sky,” says Britt, “so the color palette features a generous dose of soft blues and greens. The living room showcases an expansive wall of glass, and an art piece commissioned by Austin artist Andrea Pramuk is specifically detailed with saturated blues and sea green hues that are also echoed in the ‘Tree of Life’ rug that anchors the room,” she adds. The serene blue and green shades immediately connect you to the water and sky beyond, and peach accents in the rug and pillows complement the cool blues.

“This home is a study of restraint in design—the color palette and textiles are tranquil,” says the designer. “There is a little bit of texture, but it’s sleek. The steel, stone, and woods are smooth, almost glassy—and there’s a sense of movement and texture in the lighting. The textiles and hand-woven wool rug bring an inviting nubby touch to the living room.”

The furniture is intentionally elevated and not heavily upholstered to keep the space visually open and avoid obstructing the views. The settee has an open notched back to allow the light in as well as the lake view. In the adjacent dining room, a custom-built steel and wood table was crafted from reclaimed wood from the original site.

Elevated Style

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

Custom cabinetry throughout the kitchen is designed to feel like beautifully detailed furniture pieces. “Elevating the cabinetry on wooden legs creates physical and visual space between the floor and cabinets,” says Britt. “A glass-front refrigerator adds to the sleek appeal of this unique kitchen, and a custom armoire stores coffee-making equipment.”

Grand Elegance

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

Thoughtfully planned lighting plays an essential role throughout this home and provides a sculptural counterpoint to the minimalist modern architecture. Natural finishes and a subtle palette reflect the homeowners’ style and complement the tranquil scenery outside.

“The clients have a wonderful collection of art objects and furnishings they’ve collected from their travels around the world,” says Britt. “Weaving their personal story into the fabric of the overall design was a fun challenge. One important element to their story is their involvement in winemaking—they own a vineyard in Argentina, personally select the blends, and even custom-design the wine labels,” she adds. The entryway to their home features a Steinway grand piano and an impressive wine collection.

Decked-Out Dock

Photo courtesy of Dror Baldinger, FAIA Architectural Photography

Designed by LaRue, the boathouse overlooks Lake Austin, offering yet another prime spot for these homeowners and their family and friends to take in the surrounding scenery. Perched high above the shoreline, the rooftop deck provides an ideal outdoor lounging area perfect for boat and bird watching.

Interested in the Lake Austin area? Visit Lake Homes Realty for more details and enjoy the lake life!

Whiteboard Topics: 5 Reasons to Buy a Lake Home Instead of a Beach Home

Posted on Linda Thach

Are you torn between buying a lake home or a beach home? Here are five reasons to buy a lake home instead of a beach home.

  1. Sand. Most lakes don’t have sand so if you’re not a fan of having to clean up sand from your home or property, then a home at the lake is perfect for you.
  2. Salt water. With the exception of the Great Salt Lake in Utah, the Dead Sea in Jordan and Israel, and a few others located in various parts of the world, the majority of lakes in the United States are fresh water. Therefore, one of the benefits of having a lake home is not having to worry about corrosion of your home or furniture as you would if you owned a beach home.
  3. Sharks. There are no sharks at the lake.
  4. Docks. With a lake home, you’re able to have your own personal dock to enjoy making personal watercrafts easily accessible at your home or property.
  5. Shoreline. The option of finding a lake home is far greater than a beach home because there is more lake shoreline than beach shoreline.