In Minnesota, you could play Mississippi Dunes, just north of Cottage Grove, a southern exurb of St. Paul.
They don't have a dock, but you could drag the boat on shore next to the ninth green, run up to the clubhouse just beyond, pay your greens fee and get in a round.
I've written about the course before. It divides Twin Cities golfers into two camps: those who think it's a bizarre take on links golf, but fun and different, and those who hate it.