Unique Up a lake house with vinyl siding
We live on a lake our house has yellow vinyl siding, green roof and natural wood porch/deck across front. It is so plain and from the back road side reminds me of a mobile home. I really want to dress it up maybe some stone just don't know what to do. We can't afford a complete redo!
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I think the front porch would look better painted white.
I guess the weather and light at that time of the day make things look a little bland. I like the idea of painting everything white and having thicker trim around the smaller windows. Green shutters to go with the roof Ill attach a photo of some more attention grabbing railings.
The question is, what direction would you like this house to go. You mentioned stone. Would you want it to look more rustic? Lodgelike? If you like your railings, I would give them a good pressure washing and restain them more a cedar, or wood colour. It will freshen things up. A big YES on substantial bushes around the place, also to cover the transformer a little better,etc. If you beef up your posts on the porch/patio, it will give the front a more balanced and prominent look.
A pressure washer is invaluable when you live on the water and have vinyl siding.One hour and your porch, railings or house and it looks sparkling new.
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Understand your maintenance concerns. If you don't want to paint for a traditional look, then I would go much darker with the stain to make it stand out from the siding. Of course new siding would be great too, but rather expensive.
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HOUSE
I'd keep the stone off of the house, as the scale and visual weight of it might overpower your charming cottage look. A new structure over the door in the back gives it some architectural interest (no matter if it's a main door or not). You could paint the door a contrasting color, like gray to break up the monotony of all the light color.
In the front (strictly for curb appeal) I'd beef up the columns and paint them and the porch railings your trim color. It looks somewhat unfinished without it being painted. That's it for the house...pretty low cost.
LANDSCAPING
I'd put the rest of your time and effort (and money) into the landscaping, using stone, low-maintenance bushes, prairie grasses, hostas and maybe a couple of small ornamental trees to connect the different levels in your yard and to hide some of the undesirables (like utilities and even the raised base of the porch). Rustic stone grounds your structure and the layering of the foliage helps to soften it and make it feel more lush.
This could take a bit of time, effort and money, but it doesn't have to be all done at once, and the end result could be pretty amazing. You'd create more outdoor living spaces to enjoy and help to give your house a sense of place, instead of just floating on a sea of grass.
Here's what it might look like....
I understand about spending all your time lakeside. The whole idea is to make the back yard looked planned...so it could go to more of a terrace with plantings or something. But going back to the original idea is kind of, "If you build it, they will come." You could find that if you had a more private area in the back that's planned for it, you would probably use it much more. It just feels a bit more intimate. It's really all about your lifestyle.
Posts can definitely be enlarged without replacing. You can buy them split so they can be wrapped around the existing posts and then rejoined. The other good thing is that you can get them (and railings) in a synthetic product, like PVC, and they're pretty much no maintenance...so you get the white railings and columns without the painting headache.