Meet the Lake Team

On The Lake Realty is designed to provide lakefront buyers and sellers the most knowledgeable and experienced representation in the industry.

Karen Millikan, Broker/Owner

Lakefront Living, On The Lake Realty, Buyer/Listing Agent, Realtor®

All lake, all the time! No one knows Tennessee lakes better than those who have lived and played on them for over 20 years. That is what Karen Millikan bases her business model on. When you live, love, and work the lakes, you become the “Go-To” Realtor for all lake property. Karen moved to the Tennessee area in 1998 just to be on a larger body of water. She wanted her 3 children to grow up on a large, sports-oriented lake. On the shore of Tellico Lake was where she and her family landed. Karen felt the passion for lakefront dreams early on and immediately decided to dedicate her life back into her real estate career helping others, like her, find the perfect fit for lakefront on any budget.

Purchasing Tennessee lakefront property is different than any other real estate. Lakefront homes and homesites have a unique quality that all other types of real estate do not. Karen has lived and worked the Tennessee lakes for over 20 years and has been all over most of the large bodies of water - and Tennessee has some of the largest lakes in the country! Knowledge and experience are the KEY to help guide you through to your dream lakefront home purchase or the sale of your unique existing lake front home.

When you have lived and know all the aspects of living the lakefront lifestyle…from boating, fishing, to watersports and so many other activities, you become the local expert.

Put Karen’s experience to work for you!

In the Words of Karen’s favorite musician, “Who lives like we do? …WE DO!” (Kenny Chesney)

Contact Karen at (800) 884-2260 or

Kody Millikan, Lakefront Specialist


Kody Millikan's experience, passion for service and integrity have allowed him to build a stellar reputation among lake front clients and real estate professionals. Raised in Tennessee, 20+ years of living on Tellico Lake, and 8 years of sales experience, Kody has the background and skills to help you work through each step of the lakefront buying or selling process on any of the 7 lakes In East Tennessee. Kody loves showing and selling lakefront homes and homesites and thrives in the ever-changing lakefront real estate market, helping buyers and sellers every day to navigate the dynamic lakefront landscape. Let Kody show you what it is like to “Live” your dream!

Contact Kody at (423) 371-3176 or

Sam Allen, Lakefront Specialist


Sam came to East Tennessee with his family from California looking for a more laidback lifestyle with a climate that had all four seasons. They wanted a lakefront lifestyle with beautiful lake and mountain views. They purchased a beautiful lakefront homesite and built a beautiful home on the lakefront with a full-size dock. Sam and his new bride, Randi, purchased a condo in the Tellico Lake community.

In 2016, Sam began working full-time as a Lakefront Specialist with On The Lake Realty, now called Lakefront Living, On The Lake Realty. During Sam’s first year, he became a Multi-Million Dollar Producer and received awards for both Top Listing Agent and Top Selling Agent. Sam’s passion for lakefront shows in his everyday leisure time. He enjoys jet-skiing, paddle boarding, wakeboarding, swimming, boating, and all other lake and outdoor activities, With Sam’s knowledge of the lake area, he is quickly becoming one of the top Realtors in the East Tennessee lake areas.

Contact Sam at (865) 770-9256 or

Mike Hogan, Lakefront Specialist


Mike Hogan moved to Knoxville, TN in 2005, and as it turned out, it was one of the best decisions of his life. He has been a boater all of his life, and as an Army brat growing up and boating on many different lakes, soon learned that there are no better lakes for boating than those offered in East Tennessee. All of the TN river systems are operated and controlled by the TVA for flood control, but offer tremendous recreational opportunities as well.

Mike has been representing sellers and making buyers' dreams come true in East Tennessee since 2006. He specializes in all communities surrounding Tellico and Fort Loudon lakes.

Please give Mike a call anytime and schedule your tour to learn more about all the advantages of Lakefront Living in East Tennessee.

Contact Mike at (865) 583-9331 or

Polly Harrison, Lakefront Specialist


Polly Harrison recently moved to Vonore from Florida and traded the beach life for the lake life! She graduated with a degree in Hospitality Management and used her passion of service and the outdoors to travel seasonally in the mountains in western states before settling down here to call East Tennessee home. She is strong and passionate about helping buyers and sellers with their dream lakefront home purchase or sale and anticipating the needs of clients to guide them during the process.

Polly's first priority is to listen to clients wants and needs and real estate concerns. Polly is excited to share her knowledge and build trusting relationships so she can best serve those wanting to live the lakefront living lifestyle!

Contact Polly at (772) 332-1150 or

Buyer’s Agents, Realtors®

Premier Lakefront Specialists

We realized early on that it is very difficult for a lakefront buyer to find a Real Estate Agent that has specific lakefront experience in an area that they are interested in. To better serve buyers, we affiliate ourselves with a number of hand-picked Realtors® that have intimate knowledge of their lakefront neighborhoods. Most of them live on a lake themselves and all are trained & certified as Premier Lakefront Specialists. This ensures that each client receives an impeccable level of service from a local agent with specific lakefront knowledge. This unique service has become one of our founding principles: Global Presence, Local Knowledge.