We have friends that found a couple living on a canal in St. James City without a boat
. They bargained a deal and rent the dock
space from them, cheaper than a marina.
Sure, no pool but they desire the quieter lifestyle that St. James City offers while still have multiple bars and restaurants close.
Last time we were there we saw multiple bare lots with docks, you may get one of those and not even live behind someone's home..
SV Bacchus - spreading libations world wide, via sailboat, to help the "up tight" relax and enjoy life!