Short answer: New Jersey’s top lake areas include Lake Hopatcong (New Jersey’s largest freshwater lake, on the Sussex-Morris border), Lake Mohawk in Sparta, Highland Lakes in Vernon, and Denville’s private lake clubs. The key question for any lake home is what you actually get: lakefront, lake view or lake rights.
Lake Hopatcong
The largest freshwater lake in New Jersey, surrounded by Hopatcong, Jefferson, Roxbury and Mount Arlington. It is a public lake with boating, marinas and waterfront restaurants. See our Lake Hopatcong guide.
Lake Mohawk (Sparta)
A private lake community in Sparta known for its boardwalk and town center. Access is through the lake association, with membership tied to properties in the community.
Highland Lakes (Vernon)
A private lake community in Vernon with several lakes, beaches and clubhouse activities, close to Mountain Creek and the Appalachian Trail.
Denville’s lake communities
Indian Lake, Cedar Lake, Rock Ridge and Lake Arrowhead began as summer colonies and now have year-round homes, membership clubs and summer beaches. Access usually depends on living in the community and joining its club.
Lakefront vs. lake rights: what to ask
- Lakefront: your property touches the water. Ask about docks, permits and shoreline rules.
- Lake rights: you can use beaches and the lake through an association, usually with annual dues. Ask what is included and whether membership is mandatory.
- Boating rules: some lakes limit motors or horsepower.
- Septic and well: many lake homes have them, so inspect both.
- Insurance: check flood zone status before you commit.
Browse all our New Jersey town guides or set up lake home alerts.
Frequently asked questions
What is the largest lake in New Jersey?
Lake Hopatcong, on the border of Sussex and Morris County, is New Jersey’s largest freshwater lake.
What are lake rights in New Jersey?
Lake rights let a homeowner use a lake and its beaches through a lake association, usually with annual dues, without owning lakefront property.
Talk to the MorrisAgent Team. Call (973) 200-4800, email [email protected], or stop by 518 Main Street, Suite 102, Boonton. We answer questions like this every day, with no pressure and no surprises.