I thought of Houston Woods also and I know there is good cycling around there but also take a look at Chain of Lakes in Northern Indiana. It's quite a surprising area, didn't seem touristy, had lots of lakes and good cycling.
Brown County, Indiana is a good area for cycling although hilly. Not sure about lakes although there is a nice one near Bloomington. The town of Nashville is near Brown County state park. It's touristy but kinda cute. Brown County State Park has a nice lodge and cabins. I've also been to Spring Mill SP, lodge, and have ridden in that area.



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