Not an easy question to answer....
....as others have already echoed, numerous factors have an impact on the price. Year-round or seasonal? Cottage or a house? Clear water with sandy bottom or murky with sticks and leaves? Etc, etc
When we made the leap from water-access to waterfront 5 years ago, we thought, "we'll find something quick". Not. Took us 13 months and looking at over 20 houses to find the one we eventually purchased.
I would recommend that you first set your price range that you can comfortably afford. Don't forget about the operating costs like taxes, maintenance, tv & cable, etc. Also come up with your list of amenities you want in the place, (e.g., nice water, dock, garage, whatever is important to you and your family). Then, find a local realtor you trust and like, (you'll be spending a lot of time with this person searching, so you need to have a rapport with him or her), and discuss your price range and list of wants/needs.
Best of luck.
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