There was no red tape in the 60s. Now it's harder. If you buy a cottage and there is no dock, no may be SOL getting a dock.
It's not really in the water but because it's tall and the plane angle/photo angle, it looks like it. It rises from the shoreline.
Our dock on the east side was two parts. You had steps down from the cottage to the B&O and then from the B&O down the shoreline/hill to the water. The steps ended at a rectangular deck in the water with a wooden dock out into the water 20-30 feet. What was the first part made from. Same thing as everyone else, discarded railroad ties, used to build up a frame. Then that whole thing was filled with rock. What kind of rock? Ballast right from the tracks. A giant pit filled with railroad ballast that you walked on during the summer. The ties are still there, behind a new wall made from pressure-treated wood. The ballast is still down there under wooden-composite deck material. The wood dock is replaced with metal now.
Some people had steps down from the railroad and straight onto a wood dock into the water, with no initial platform. Those are the cottages that when they were finally renovated in the 1980s, had a harder time with building a platform as they had nothing grandfathered in from the earlier times.
Part of that east shoreline bank is also just fill from the railroad. There are metal caboose steps, signal bases, sidewalk slabs - all kinds of stuff. This was in sections with no cottages.