I purchased a house after doing a lot of research on this subject in 1993. I have been using it on a weekend basis since and after recently retiring I stay there about 4-5 days returning to my other place in Broward on weekends. I will be moving there full time in about a year. I had always wanted to live on the water.
Before I give you my 2 cents i have to tell you my first priority was fishing, there were no other issues such as schools jobs etc..
1. I narrowed down the lakes to Okeechobee, Toho, Kissimmee. After researching many of the smaller lakes I found access with low water to be an issue, like most of the smaller lakes I checked out Istapoaka, a lake I love, had some great homes but left you high and dry on low water conditions.Even at record lows I still have access to Okeechobee.
2. Although fishing was priority one I still thought of other issues like some sort of town to go to. No offense to anyone living there but I hate the Kissimmee, Orlando area, my kids are grown we did the Disney deal. I'm from Broward and have had my fill of traffic and crime, That being said Toho is a great lake but I ruled out Toho. Kissimmee had some homes but not many and I felt it very isolated as far as everyday conveniences many of the places Fishindaddy mentioned weren't available at the time. Also both Toho and Kissimme were pretty far from Broward so using it for a weekend place for the 10-15 years would have been hard. After checking out the north end of lake Okeechobee I found a decent home with access to the lake by ramp or home, and found the town a perfect size. That was my choice.
3. When I first found and bought my home at the north end of Big O I kept my boat in the water in a covered boat house, I had to go through a lock to enter the main lake which was no problem at all due to the fact its a small lock thats rarely crowded.
Like what you mentioned you're looking for I loved the idea of just getting in my boat from the house and thought that was going to be a priority. HOWEVER, I later found that the ramp which is a 5 minute drive was a better option. I stay on top of cleaning my boat better, and can load and unload tackle easier with it on the trailer, and pretty much just found it was better to take the short ride. So keep that in mind when looking. I still like being on the water and sitting on the patio, I plan on keeping a smaller boat in the boat house for quick shots to fishing the canal area, and locking out to that part of the lake.
I'm an hour and 15 minutes from Kissimmee, 2 hours to South Florida, a half hour to the Stuart area, and 2 hours from the west coast, I have several nice restaurants and a 3 movie theater within a 10 minute drive but still have a rural vibe to my area, the local tackle shop and one of the local churches both run tournament trails that fish about 50 to 60 boats.
A good friend and ex fishing partner moved to St. Cloud and lives off the west side of Toho close to the Granada ramp. He usually trailers to the public ramp as well but at times puts in at the small ramp by his house. He like it, he fishes the night tournaments on West Toho and East Toho and has enjoyed the area and made a bunch of friends in the fishing community.
Also I might add if you're looking for a gated community with sculptured lawns you may opt better up north, my community is hodge podge, I live next to a 400,000 dollar home and across the street from a house that should be condemned, but all I worry about is my home and lot.
Hope this helps, good luck, wherever you choose you'll have a great time.
Feel free to IM me with any questions.