Maybe Exochorda? It's also called the Pearl Bush. Its flowers grow in clusters, bees love it, and it likes moist soil, which would make it ideal for growing out by the lake, but....it could also be Physocarpus, which is native to most of North America. There are various colors, but I believe the wild ones may be white. It's also called Ninebark. The more I think about it, I think it would be more likely to be Ninebark. Hope this helps :)

Here is a link that might be useful: Ninebark

Maybe abelia.

My ninebark/Physocarpus is well past bloom now.

No, the clusters are long and cone shaped, not like the ninebark, and the Exochorda is not it either. Thank you so much. I will try to get a photo tomorrow and post it.
I appreciate your try though.

:)

It almost sounds like oakleaf hydrangea, but that's got four 'petals' per bloom.

Hydrangea? Like PeeGee?

I could make some guesses, I suppose (out of the many, many possibilities) but, you know, I am just too lazy and busy to be bothered.

Lol...agree Campanula.