Top 7 Things to Know about Buying a Lake Nacimiento Waterfront Property!

If buying a waterfront home has been your dream for either a permanent residence or vacation property; there are a few things you’ll want to know!  Buying a home on Lake Nacimiento that enjoys the convenience and views of being a water front home can be an exciting time, but knowing what comes along with owning a Lake Nacimiento waterfront home is important.

As a Lake Nacimiento Real Estate agent; I’ve had years of experience in dealing with waterfront properties and understand the ins and outs of buying a waterfront home.  While buying a home can be a little overwhelming, a waterfront property can be a little more complex.  However, having someone to walk with you each step of the way will enable the Lake Nacimiento waterfront home buying experience a smooth and stress free one.   Below are the top things of which you’ll want to be aware when buying a waterfront home on Lake Nacimiento!

1. Find a Waterfront Real Estate Agent
– This should be a top priority as there are additional things that go along with a waterfront home.  Again, the agent should be experienced with waterfront properties and, ideally, with Lake Nacimiento Real Estate as well!

2. Consider the Property More than the Structure– While it’s important to love the Lake Nacimiento home that you are buying; you’ll want to especially look at the property that it’s on.  The house can always be updated, but not being thrilled with the view or the murky swimming area are serious considerations and things you have to be willing to live with long-term. You will also want to consider whether an excellent water view will work for you instead of the pricier waterfront homes. Remember in Oak Shores and Heritage Ranch that the ramps are just mere minutes away. You then avoid the hassle of having to deal with moving your dock as the lake fluctuates.

3. Look into Loans Early– While the homes on Lake Nacimiento in the Oak Shores and Heritage Ranch communities have some very reasonably priced options; buying a waterfront home is typically more expensive than an inland home.  As lenders are buckling down on loan regulations this year; they’ll only consider very qualified buyers.  This should be one of the first steps you take before you begin your Lake Nacimiento waterfront home search.

4. Insurance can be Costly and Complicated
– Oftentimes waterfront homes will need additional insurance for wind or water damage and the costs can add up.  Your Lake Nacimiento Real Estate agent will be able to answer all of your questions and lead you in the right direction about your insurance options.

5. Find Out What You Can Do with the Property– You may want to add a deck or balcony to your home, or a fence to contain pets.  Knowing the regulations for Lake Nacimiento homes before you begin your project will save you time and energy.  You’ll also want to find out if your property has any restrictions on swimming, is a no-wake zone, etc..  Get to know your property!

6.  Talk to the Neighbors– Residents in Oak Shores and Heritage Ranch are very community oriented and would love to answer questions you may have about life on Lake Nacimiento or owning a waterfront property.

7.  Get to Know Your Responsibilities
– As a waterfront home owner, you’ll have additional responsibilities.  Not only will you have additional upkeep on your home as you deal with weather elements, there are also options for of being a part of the homeowners association.  Your Lake Nacimiento Real Estate agent will be able to help you determine what’s expected of you when buying a waterfront home.

While it may seem like there are a few more hoops to jump through when buying a Lake Nacimiento waterfront home; they’ll be well worth it!  When you’ve found the home that fits your lifestyle and you begin to get to know the Oak Shores or Heritage Ranch communities on Lake Nacimiento; you’ll soon forget the additional leg work that was involved in buying your waterfront home.  As a Lake Nacimiento Real Estate agent who has dealt with many waterfront homes, I can answer any questions you may have and help you through the Lake Nacimiento waterfront home buying process!

I look forward to hearing from you!

Grace Borzini
Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Please let us know how we can help!

About Grace Borzini

Grace Borzini is the Owner of Oak Shores Realty with offices in Monterey and SLO counties. She is a Central Coast native and a real estate expert who focuses on Monterey County and San Luis Obispo County. Grace has over 15 years of professional real estate experience, with over 1,000 completed transactions. Her aptitude for negotiation, along with her insights for home values and market direction, enable her to maximize opportunities for her clients. Grace understands the significant concerns that come with buying or selling a home. Her patience, empathy and problem-solving skills are lauded in the many client testimonials she receives. Her reliable guidance and excellent service earn her repeat business and referrals. Grace Borzini accomplishes a high volume of production by leveraging the talents of her experienced team, who assist with marketing, administrative functions and transaction management. Grace also employs the latest technology to ensure that her clients receive timely, accurate information that is critical to their buying and selling decisions. Grace has a strong network of industry peers and service providers who provide valuable resources to her clients. From attorneys, to mortgage lenders and contractors, Grace has an array of professionals to help you meet your real estate goals. She also has an excellent rapport with area homebuilders and can refer you to trustworthy craftsmen in the Central Coast. Grace’s real estate affiliations and professional credentials include: • The Paso Robles Association of Realtors • Monterey Association of Realtors (MCAR) • Women’s Business Enterprise National Council (WBENC) • Oak Shores Realty is a certified Woman Owned Business • National Association of Asian Real Estate Professionals (AREAA) • National Association of Realtors (NAR) • California Association of Realtors (CAR) • RES.Net Integrated Business Partner • Certified Distressed Property Expert (CDPE) • National Association of Hispanic Real Estate Professionals (NAHREP) • The Elite Real Estate Network (ERN) Grace knows that strong communities are essential for sustaining the fine quality of life in the Central Coast. For this reason, Grace will pledge 25% of their commissions to the Community Foundation for Monterey County, or the South County Affiliate fund, according to the wishes of their clients. Find out more about this unique program by visiting When Grace isn’t providing real estate services to home buyers and home sellers, she enjoys spending time at Lake Nacimiento with her husband and their children: Bryson, a Mechanical Engineer for P2S Engineering in Long Beach, and Kambree, a student at Cal Poly San Luis Obispo.

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8 thoughts on “Top 7 Things to Know about Buying a Lake Nacimiento Waterfront Property!

  1. My wife grew up in a lakefront home and eventually wants us to get one. I think you make a good point that you should consider the land and not the house because I would rather have a nice view of the lake than a super nice house. I also never thought about how living on a lakefront property would also need extra coverage because of the wind and water damage that is possible to a home.

  2. I really like your tip to find out what you can do with the property before you buy the house. You wouldn’t want to buy a house expecting to put in a dock and then find out you are not allowed to. I would also find out where public access is located on the lake. You Might not want a house that will have a busy shoreline next to it. Thanks for sharing these great tips!

  3. I didn’t know that added insurance could be needed when looking for waterfront property. My parents are currently looking for a home on the water to retire in. I will make sure that they know this.

  4. I did not know that there are specific agents for waterfront homes. I would want to have a neighbor help out. I would want to know that the property is taken car of.

  5. I grew up in the northern midwest where there are so many lakes! It was always my favorite in the summertime to go with my friends to their lakefront houses in the summertime and play there. Now I am thinking about buying a lakefront home because I’ve had so many good memories in them!

  6. I like that you mentioned talking with neighbors about the area. Not all waterfront properties are alike and you want to be sure you know what you are getting. I would do thorough research before buying.

  7. That’s a good idea to pay extra attention to the property and not just the home that’s on it. One of my biggest hobbies is fishing, so I’ve always dreamed of having a lakefront home. It finally looks like I’ll be able to make my dream come true soon.

  8. I’m looking for a good waterfront home. It makes sense that I would want to get a good real estate agent that has experience with this kind of thing! That way I can have someone who has done this before on my side.

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