The difference between a confident Lake Keowee purchase and an expensive surprise is diligence — confirming, in writing, the things that listing photos never show. This checklist is the framework David walks every buyer through before contingencies come off.
It complements, not replaces, your attorney, inspector, and lender.
Non-negotiables on any lakefront purchase.
Confirm the dock permit is current, matches the existing structure, and is transferable — and that any planned modifications are permittable. This is the single most important waterfront check. Dock guide →
Verify usable water depth at the dock across lake levels, and understand main-channel vs. cove trade-offs for your use. Water depth & coves →
Review a current survey, the Duke project boundary, and any encroachments or easements affecting the shoreline or access.
The paperwork that defines what you can and can’t do.
Read the covenants and architectural-review rules — especially if you plan to build or renovate. They govern what’s possible on the lot. ARB guide →
Understand membership tiers, initiation, dues, capital contributions, and POA fees — and what transfers at closing. HOA/POA guide →
Confirm clear title, review any liens or assessments, and verify the property tax basis — including how it may change after a sale.
The final layer before contingencies come off.
Complete general plus lake-specific inspections — dock, septic/well, moisture — within the contingency window. Inspection guide →
Price homeowner and any flood or wind coverage early; waterfront and dock structures affect premiums and availability.
Add membership, POA, dock maintenance, and insurance to your underwriting — the all-in number, not just the purchase price. Closing timeline →
The questions buyers and sellers ask David first.
The Duke Energy dock permit — that it is current, matches the dock, transfers to you, and allows any modifications you have in mind. Everything else builds from there.
Yes. Covenants and restrictions govern renovations, rentals, docks, and use even for existing homes — they define what you can and can’t do with the property.
Club membership and dues, POA fees, dock maintenance and reserves, and insurance. Underwrite the all-in cost of ownership, not just principal and interest.
Sometimes buyers do in a competitive situation, but it shifts risk to you. David helps you understand exactly what you’d be giving up before you make that call.
A 30-minute conversation is the fastest way to get a confident next step.
