Not the person you asked, but The Babysitter's Club books take place in the US, and that's what several of our lakes look like. Not a heck of a lot of oceanfront coast that has no beach, no transitional wetlands/grasslands, and just immediate mountains. There are several lakes in the US that fit that description.
Oh okay. I guess in the US, apart from Alaska, there wouldnt be cold enough areas at sea level to get this scenery. I was thinking Norway or something.