I don't know what you mean by "a decent ways from the water," but I know when my wife and I were looking for lake properties, we decided that any distance not easily walkable with beach stuff was not really "lake property."
I'm not sure what that distance is/would be, and it would be increased if golf carts were involved, but a LOT of the "lake" properties we looked at would've required a car drive of at least a few minutes.
Just a thought (mostly inspired by friends who have owned second homes much longer than I have).
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