I haven’t decided where to live forever. Certainly not a 2nd home. Don’t really want to deal with HOA Nazis. Having a dock would be very cool. I love the lakes late at night and early in the morning when they are smooth as glass. Tellico Village is nice, but $1,000,000/acre ($500k for 0.5) with the HOA doesn’t seem like a great idea. I like Fort Loudon/Tellico because I know a lot of people there. A few on Watts Bar also, but it’s been a bit of a dump site for Oak Ridge NL’s and the Kingston power plant’s toxic materials. Norris, Douglas, and Cherokee aren’t navigable.
Blount County side of FL might be the sweet spot in my case. Possibly Knox County as long as it is beyond the reach of Knoxville city tax thieves. Lenoir City/Northshore doesn’t have much supply.
I’d like to stay clear of the HOAs, revenuers, and the clan-like, Deliverence resembling areas.
I have developed 5 residential neighborhoods, and my partner currently has a 500 acre lake development on Chickamauga Lake.
I think he will have both individual docks and a community dock. Getting a permit form TVA or the Corps of Engineers continues to get more difficult..
Just some thoughts: HOA's are not always bad. They are often necessitated by the need to own and manage detention ponds which have been required by governmental regs. Rarity might have Nazis, but a small community in Meigs co likely will not.
Upkeep of those ponds is usually nearly $0 unless the neighborhood wants some mowed greenspace for a variety of reasons. Otherwise you let them go natural. The more rural the county the fewer regs, HOAs and revenuers, But the more "deliverance" and meth areas. So most neighborhoods developed in the last 20-30 years will have detention ponds and HOAs. some might also have a common sewage system that is maintained by the HOA. HOAs are not necessarily evil.
I was looking for something similar to what you are looking for about 20 years ago. I found it by driving what seemed like every road on every lake looking for lots. i primarily looked at older established areas, and vacant lots. I have built 6 homes for us so building wasn't a problem. You might also consider remodeling an existing home. Be very carful in areas without building codes. Anyway when I found a lot I would go to the county courthouse to find out who owned it. I would send them a letter if interested.
We wanted on Watts Bar, and I found what was the perfect lot for us for a small lake house(2nd home). The lot was purchased in the 50s by a FL couple that never built. They were in their 80s, and wanted to sell. I fond a very similar lot owned by a guy that got a divorce and wanted to sell. I bought the later, and. worked with the health dept to get the septic system approved.
We built, and sold just before the ash spill in 10, 11?
On lakes: I think most are fairly dirty unless you are at the source, and the source is in an undisturbed area, mountains.
Boats: We bought a Sea Ray cabin cruiser, and sold it a few months later. We were happy to just side on our screened back porch and enjoy the water view. So Watts Bar was no better than a land locked lake for us.
Some people are boat people, others aren't. Different strokes.
I hope you find what you are looking for.