I am a Realtor in Northmen WI. Prices have come down and there are some lakefront cottages in this price range. There are a lot listings and not as many buyers so sellers are happy to get offer. Don't be afraid to make offers on listing that might be a little higher than your target price range. You can check out my website or give me a call for info on motivated properties.

You can also check out Lakehouse.com. Since 1997, this website has been the most visited lake property website. You can browse over 12,000 listings on over 5,000 lakes across the entire US and Canada. You can also register as a member and receive email updates on new and updated listings to match your search criteria.

Hello from Wisconsin. Lake or Riverfront properties in Wisconsin are a fantastic purchase. The price range you are looking will be difficult, but not out of the question. I personally represent a variety of sellers that have lake or river homes for sale. Did help direct you, I would need more information regarding your needs than this email will allow. I have properties that rent when you are not using them and are professionally managed, I also have vacation homes, and lots that are for sale on Lake friendship from $29,000 to $89,000.......... plus, I can point you to a builder. Check out the website below, it will give you and idea of what is available. If you prefer, you can also search by monthly payment, or set up a time to chat, and I will help.

Hello- Adams County is a growing recreational area of Wisconsin. There are alot of affordable waterfront and deeded lake access properties in that price range. Many local lakes include Castle Rock Lake, Lake Petenwell, Lake Arrowhead, Big Roche-A-Cri Lake, etc. Adams County also has acres of ATV/snowmobile trails, public hunting areas, great fishing, and championship golf courses. I would be happy to help you get more information in this area. The website below is a good resource and has many property virtual tours to view.

There are many lake properties located in Northwest Wisconsin that fit are under $120,000. Many are on smaller lakes and there are condo properties aviable on larger lakes. These properties are typically converted resort cottages. The advantage of these type of properties is the maintenance the condo associations tend to. So instead of going to your cottage and having to cut the grass and do many other chores, you can actually spend more time enjoying the lake. Another advantage is you also have someone basically looking after your property when you are not there. You can find most listed properties located in Northwest Wisconsin and Minnesota at mikedale.edinarealty.com

Realtor.com is a good resource to check for lake homes as Rick recommended.

While I am not very familiar with lakefront property in Illinois, Iowa or Missouri, I can tell you that there are many lake homes in Wisconsin for under $120,000! Most of the homes are in central Wisconsin on smaller no-wake lakes, but if you are willing to be off of the water, but have deeded access to the lake, you can get property on some of the more popular lakes such as Lake Arrowhead or one of the many flowages on the Wisconsin River. These lakes offer great recreational opportunities especially if you enjoy fishing, swimming, and watching wildlife. If you go to http://www.realtor.com, you can find information on lake homes in any of these states.