On the north and east shores are a scattering of residences.

The rest of the lake is surrounded by woods and grassland, much of which is planned for residential development.

The city limits of Sebringbordere two-thirds of this lake.

[1] [2][3][4] Lake Charlotte has no public access on its shores.

However, the Take Me Fishing website says the lake contains largemouth bass and bluegill.