If all your numbers are accurate (and what the hey, I’ll just assume they are), that’s a pretty hot deal. I would have no trouble asking (and getting) 93-95k here in my area.
I would ask a little higher, then begin reducing your price if you’re not getting the offers you should. Make your headline on Craigslist “Price Reduced!!” What are the average days on market for that area? That will play heavily into your buyer’s plan. Lakefront property doesn’t always move fast around here.