Waking up to sunrise over calm water, casting a line from your dock, and ending the day with sunset views from your back porch—there’s no denying the appeal of waterfront living. And in South Carolina, Lake Murray offers one of the most accessible and beautiful spots to enjoy that lifestyle.
But before you jump into buying a lakefront home, it’s important to understand both the perks and the responsibilities that come with owning property on the water. At Southern Visions Real Estate, we specialize in helping clients find—and prepare for—the right lakefront property for their needs.
Here’s what you need to know.
The Pros of Living on Lake Murray
1. Everyday Views & Serenity
One of the most obvious benefits is the view. Whether it’s a wide open water vista or a quiet cove, your backyard becomes a peaceful retreat. Many Lake Murray homeowners say it transforms how they start and end each day.
2. Direct Access to Recreation
Living on the lake means your boat, paddleboard, or kayak is just steps away. Lake Murray is known for:
- Excellent fishing
- Boating and jet skiing
- Bird watching and nature trails
- Events like the July 4th fireworks show over the water
Learn more atLake Murray Country, which offers a great resource for lake events and activities.
3. Strong Resale Value
Lakefront homes, especially in areas like Lexington, Chapin, and Gilbert, tend to hold their value well. Because inventory is limited, demand often stays high, especially for properties with private docks or panoramic views.
4. Privacy and Space
Many waterfront properties offer larger lots, natural buffers, and a quieter lifestyle compared to traditional neighborhoods. For families, retirees, or remote workers, this can make everyday living feel like a vacation.
The Cons to Consider
1. Maintenance & Weather Exposure
Waterfront homes are exposed to more moisture and wind, which can lead to:
- Faster wear on paint, decking, and windows
- Increased need for landscaping maintenance
- Possible issues with erosion or dock upkeep
You’ll want to budget for regular exterior maintenance and seasonal prep.
2. Flood Insurance Requirements
While not every lakefront home requires flood insurance, many do. Be sure to check whether the property is in a FEMA-designated flood zone using the FEMA Flood Map Service Center.
Pro Tip: Even if it’s not required, having a policy can offer peace of mind during heavy storm seasons.
3. HOA or SCE&G Dock Permits
Some waterfront properties fall within homeowners associations (HOAs) that regulate dock access, shoreline use, and even home appearance. In many cases, you’ll also need a dock permit from Dominion Energy (formerly SCE&G) if you plan to build or modify one.
Our team can guide you through what to ask and how to stay compliant during your home search.
4. Premium Price Points
Lake Murray properties range from cozy cottages to luxury estates—but overall, expect to pay a premium for the waterfront location. Be sure your budget includes:
- Higher property taxes
- Flood or hazard insurance
- Maintenance and potential dock improvements
Tips for Buying a Lake Murray Home
- Work with a local expert: At Southern Visions Real Estate, we know which coves are peaceful, where the best sunset views are, and how to navigate dock regulations.
- Visit during different times of day: Morning sun, afternoon boat traffic, and sunset light can all change how a property feels.
- Consider long-term plans: Will this be a primary home, second home, or vacation rental? Each use affects the best property fit.
Ready to Start the Search?
Lakefront living can be both a dream and a wise investment—with the right information and guidance. Whether you’re looking for a full-time home or a weekend retreat, our team is here to help you explore the best of Lake Murray.
👉 Browse available lakefront listings
👉 Talk to a Lake Murray real estate expert