No-bank waterfront sits nearly level with the beach. You can walk from the lawn to the water and launch a kayak. It is the most sought-after type and is priced accordingly.

Low-bank homes sit a few feet up, often with stairs to the beach. High-bank homes trade easy access for elevation, usually meaning a bigger view, more privacy and a lower price per foot of frontage.

Before you buy, ask about bulkhead condition, erosion history and any geotechnical reports. Lara walks every waterfront listing with these questions in hand.

Ground photos sell rooms. Aerials sell the setting, and for estates and waterfront the setting is much of the value.

A strong aerial set shows the lot, outdoor living spaces, the orientation for sunsets and how close the home sits to the water.

Lara schedules aerial and twilight shoots around light and season so each listing launches at its best.

Shoreline rules limit how docks and bulkheads can be built or replaced, which makes an existing, permitted dock in good condition worth a great deal.

During your inspection period, confirm the permit history, have the dock and bulkhead inspected separately, and ask the city about planned shoreline work.

Lara can connect you with marine contractors who know local waters.

It starts with a plain conversation about budget, monthly costs and what matters most, then a lender introduction so you know your numbers before you fall for a house.

Lara explains each step as it comes: offers, inspections, appraisal and closing. No question is too small.

Some of her favorite closings have been first homes, and that is not changing.