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Furthermore, based on my experience the quality of life in a beach community is far superior to being land locked.
Depending upon the body of water, a home on the water might be in an area designated as a FEMA flood plain--which translates into higher insurance premiums.
Additionally, I've already lived in several areas with lots of ongoing development (including the area I currently live in). The price that my neighbors and I pay for all of this "progress" is lots of jammed up traffic, noise pollution from the heavy equipment and traffic, lots of ongoing road work (but nothing ever really gets completed), and I could go on.
As long as the area is clean and safe, and I have space to toss a few steaks and ribs on the grill (as I did a few hours ago :) ), then I'll be fine.