I don't know what the social situation is in your neighborhood. Your children might find that they are more isolated than in an association. That may happen to you too. The shared beach sometimes makes for a place that families gather. If your new home does not have neighbors with kids in the age range of yours, your kids may initially be bored.
That said, I would not trade living on the water for anything. I spent a lot of years riding around in my boat looking at the waterfront homes and wondering how to get there. It finally happened 15 years ago and the positives outweigh the negatives, by far. I still get up in the morning and look out at the lake and think "I can't believe that I am here"
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