Hi Dan,

Could you give us a little idea of your price range. Here in South Central Pa, there are a couple of Lakes that have home communities surrounding them. We also have a number of wider spots on the Susquehanna river that are sometimes called lakes.
I specialize in these waterfront homes in Lancaster, York, Adams counties in particular. Two homes on my part of the Susquehanna that are currently active on the market are listed in the $500K range. There are homes for sale in the Lake Meade community that are closer to $250K, but these may not be direct waterfront.
Charles' question about your planned use is very important too. Some of the cottages on leased land would not be suitable for year round use. Others are standard homes with sewer and water, insulation, heat controlled by thermostat, parking facilities, and roads that are drivable in all seasons.
It is also important to know if you are just going to look at the water, or if you want to get into it! We do lots of boating on my section of the river, but it is rare for anybody to swim in it. Some folks do water ski, or use personal watercraft, but you have to go to a different area if you plan to ski and swim on a consistant basis.

Lake Meade is beautiful in the summer. I think they still drop the water level in the winter which makes boating not very practical.

The Lancaster county community called Pequea has homes that are high on a hill with a beautiful view, but you have to cross the railroad tracks to get to the water. (over land, or via the creek and underpass)

If Lancaster York, Adams counties interest you please do feel free to give me a call with your specifics, or email me. I would love to help.

Eileen's Green Team at GATEWAY REALTY

Yes, indeed, there are plenty of lake front propeties north of bucks county. Traveling up the NOrtheast extension, are many opportunities. I would be happy to help you find a Realtor in those areas to assist you. Please give me a call Don Bradbury http://www.bradburyteam.com 215-536-6777 x 329. Rated #1 in Pennsylvania in the Active Rain Real Estate Network, I have the experience and skills to help meet your needs,.
Thanks
DOn Bradbury

Dan,
There are plenty of Lakes in Northeastern Pennsylvania, all within 2 hours of Northern Bucks County. Anywhere from Pike to Schuylkill County. It depends what kind of Laefront Property you are looking for. Here is a link to blog by Karen Rice about Lakes in the area. I hope it is useful to you.
http://activerain.com/blogsview/638600/Lakes-in-Northeast-PA
The very best of luck to you!
Michael
P.S- Tell Karen I said hi!

Michael D Delp
Mortgage Pro
4802 Old Bethlehem Pike,
Telford Pa. 18969
Ph- 215-453-1025
Fax- 215-453-1012
Cell- 610-762-0318
michaelddelp@aol.com
michaelddelp@verizon.net http://www.mortgagepro.instantlender.com

Two hours drive time gives you a very large area of possiblity.
One questions is, would this be a permanent (year round) dwelling or a vacation type home.
And the second questions is, your "water purity" expectation.
There are lake/water front home in Bucks, Montgomery, Schuylkill, Lehigh counties and beyond.
The questions are also how large of a lake? Do large streams fit your requirements etc.
The farther north and west you go, the better the water conditions become.
The drive time would also change based on the types of roads to get there.