Turtle Beach is located on Pearl Lake, part of the Chain O'Lakes system. This freshwater site features a sandy bottom near the shoreline and sandbars, providing a contrast to the muddier areas of the lake. Divers and snorkellers can expect depths starting from 1 metre, with visibility reaching up to 8 metres. Conditions are generally mild, though water temperatures fluctuate significantly throughout the year, ranging from 2C in winter to 22C in August. Access is available via both shore and boat. Due to the potential for boat traffic and variable visibility, visitors should remain cautious. On-site facilities include parking, toilets, showers, changing rooms, and a cafe.

The St Mary wreck in Pearl Lake offers an accessible freshwater dive for beginners. Resting at depths between 1 and 6 metres, the site features a consistent visibility of 30 metres, allowing for clear views of the structure from the surface. The site is located 50 metres from the shore and requires boat access. Divers should be aware of potential hazards including boat traffic, cold water, and entanglement risks. Due to water temperatures ranging from 2 to 22 degrees Celsius, adequate thermal protection is necessary. The site provides facilities including parking, toilets, showers, and changing rooms.

The Wells Burt is a freshwater wreck located in Pearl Lake, United States. Resting at depths between 12 and 14 metres, the site is accessible only by boat. The wreck presents an overhead environment with structural features and swim-throughs, necessitating advanced overhead training for safe penetration. Visibility typically ranges from 5 to 10 metres. Water temperatures fluctuate significantly throughout the year, ranging from 2C to 21C, requiring appropriate thermal protection. Given the overhead hazards and cold water conditions, this site is suited for intermediate divers with the necessary training and equipment to manage penetration and thermal exposure.

Three Oaks Recreation Area at Pearl Lake is a freshwater site featuring an artificial reef and dedicated training infrastructure. Divers access the water from the shore or a floating dock located east of the marina. The site offers three training platforms positioned 100 feet apart at a depth of 7.6 metres. The average depth across the area is 10 metres, with a maximum depth of 14 metres. Conditions include mild currents and visibility ranging from 3 to 12 metres. Divers should be prepared for a noticeable thermocline at approximately 7.6 metres, as well as potential hazards including boat traffic, cold water, entanglement risks, and fluctuating visibility.

Pearl Lake features a technical wreck dive situated 10,000 metres from shore, requiring boat access. The site lies at depths between 70 and 80 metres, with an average of 75 metres. Divers encounter mild currents and visibility ranging from 10 to 30 metres. Water temperatures are cold, fluctuating between 2 and 14 degrees Celsius, with common thermoclines and temperatures often reaching 4 degrees Celsius at the bottom. Due to the significant depth and cold conditions, drysuit experience is strongly advised. Divers must manage risks including potential entanglement in wreck structures and overhead boat traffic. This intermediate-level dive requires a wreck certification.