The word "Pocono" can mean many different areas in the northeast quarter of PA and there certainly are relatively modest gated lake access communities among some of the more expensive ones. Here's an example of a place I know of that's neither ultra-fancy nor trashy:
Indian Rocks Property Owner's Association Inc. of Ledgedale
Also there are some smaller lakes with lakeside cottages not organized into gated communities, scattered on either side of I-81 north of Scranton in far northern Lackawanna and Susquehanna counties (even into Broome, Chenango, & Cortland counties in NY state). There's a good-sized couple of lakes in Benton Twp., Lackawanna Cty, that already have sewers (which you may recall I mentioned in your other thread as a big selling point

)
You will probably also want to post in the Northeast PA sub-forum as well.
The lakes basically follow the glaciers so in PA there are lakes in the northeast and northwest. The "lakes" in most of the rest of PA are flood control reservoirs with publicly owned shorelines. There is a very big gated community near DuBois in western PA but that may be too far out in PA for what you're looking for.