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.
https://www.google.com/maps/place/St...!4d-82.0784257
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..