go shopping - do you mean walking or driving?
if driving - then several of the Marriott's are located around or close to lakes. there is also CWR - Celebration world resort.
Marriott Cypress Harbour
Marriott Grande Vista
if you mean walking then - Cypress Pointe (it does have a lake but only one maybe two buildings are close to it)
here is a map - doesn't have the above - because they are timeshares
http://www.thedibb.co.uk/villa/map.htm
there are a bunch of lakes in and around Disneyworld. Some aren't even developed (yet).