Lake frontage means the parcel's boundary touches the water and the owner holds riparian rights — the ability to install a dock, moor a boat, and use the water in front of the property. Lake access means the property is near a lake but reaches it through a shared easement, association beach, or deeded access point, without owning the shoreline itself. The distinction affects price and what you're allowed to place at the water, so we confirm it on every waterfront search.