Morgan Shoal is a 32-acre dolomite limestone shelf situated 90 metres from the shore of Pearl Lake. This site features a remnant of a 425-million-year-old coral reef, characterised by dramatic rock crevices and ridges. Divers can explore both reef and wreck topography at depths ranging from 1 to 6 metres, with an average depth of 4 metres. Access is via the shore, and the site is suitable for intermediate divers. Conditions vary, with visibility reaching up to 6 metres and water temperatures fluctuating between 2C and 22C. Hazards include boat traffic, cold water, entanglement, low visibility, and strong currents.

12th Street Beach at Northerly Island offers shore access to a freshwater site featuring an underwater steel bulkhead and the remains of a 1920s schooner hull. Located south of the Adler Planetarium, the site reaches depths of 2 to 6 metres with an average of 4 metres. Conditions vary, with moderate currents and visibility typically ranging between 20 and 25 metres. Water temperatures fluctuate significantly throughout the year, from 2 to 23 degrees Celsius, and divers should be aware of potential thermoclines. Hazards include boat traffic, cold water, entanglement risks, and surf. Facilities available at the site include parking, toilets, showers, and a rinse station.

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.

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.

The Great Lakes and Northeast Wreck is a freshwater site featuring both wreck and reef structures ranging from 9 to 45 metres in depth. Divers must access the site by boat to avoid dangerous surf and rip currents present at the shore. Conditions are variable, with visibility between 1 and 10 metres and water temperatures fluctuating from 1 to 18 degrees Celsius. Due to the depth and potential for moderate currents, this site is suited for intermediate divers. Thick thermal protection is necessary, and divers should remain alert for entanglement risks around the wreck structure. A surface marker buoy and dive light are recommended for all dives.

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.