Housing in Loch Lomond reflects its mountain-resort origins. The stock consists largely of modest cabins, seasonal cottages, and single-family homes set on wooded lots, many of them on the community's winding, hillside roads. Some homes are used seasonally, a legacy of the settlement's resort past, while others house year-round residents. Lots are often sloped and forested, and the overall character is low-density and informal. There is little large-scale development, and buyers are typically drawn by the quiet mountain setting, the views, and proximity to Clear Lake rather than by suburban amenities.

Life in Loch Lomond has the feel of a mountain retreat. The community began as a summer resort, and that heritage lingers in its mix of full-time residents and seasonal vacation homes. Cooler mountain air, forested surroundings, and quiet roads give the settlement a relaxed, outdoors-oriented character. Residents enjoy easy access to Clear Lake for boating and fishing, and the surrounding hills offer hiking and, increasingly, a connection to Lake County's wine country. Daily conveniences are found in Middletown and the larger lake communities, while the community itself remains a peaceful, forested enclave above the lake.

Loch Lomond is served by the Middletown Unified School District, which covers the southern Lake County communities, including Middletown and Cobb. Students from the area attend the district's elementary, middle, and high school campuses, culminating at Middletown High School, which dates to 1919. The district's schools are small and tied to the rural, mountain character of southern Lake County. For higher education and additional services, families look to the larger Lake County communities and the broader North Bay region. Education here is part of a close-knit set of mountain communities.

Loch Lomond sits along State Route 175, which climbs through the mountains of southern Lake County, connecting the community north toward Clear Lake and Lakeport and south toward Middletown and the State Route 29 corridor. This route is the community's lifeline for reaching services, schools, and recreation, and it is a scenic, winding mountain highway. Transportation is entirely automobile-based, in keeping with the rural character of Lake County. Middletown provides the nearest services, while the larger lake communities and the North Bay are reached via the regional highway network.

Recreation in and around Loch Lomond centers on the outdoors. Clear Lake, the large natural freshwater lake that gives Lake County its name, lies below the community and offers year-round boating, fishing, and lakeside recreation. The forested slopes of Cobb Mountain and the surrounding hills provide hiking and quiet mountain drives, and nearby Boggs Mountain and the region's public lands add trails and open space. Lake County's wine country, with its vineyards and tasting rooms, is also close at hand. The community's position between the lake and the mountains makes it a natural base for outdoor pursuits.