Torch Lake Sand Bar
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Torch Lake Sand Bar
I second KG and Dusty with the Hot Springs, AR. My wife and I said if we ever left TX that is where we would choose to go.
That being said you may want to check out central Texas. Lake LBJ is a constant level lake on the Colorado river with some awesome houses on the banks. It's far enough away from Austin to not deal with their traffic everyday but close enough that if you want to go into the big city for something it is not too far away. The northern part of the lake around Kingsland is pretty narrow as it actually just the Colorado River and it can be good for wakeboarding and surfing as long as its not too crowded. The Texas hill country is also some of the prettiest land around.