Maybe Exochorda? It's also called the Pearl Bush. Its flowers grow in clusters, bees love it, and it likes moist soil, which would make it ideal for growing out by the lake, but....it could also be Physocarpus, which is native to most of North America. There are various colors, but I believe the wild ones may be white. It's also called Ninebark. The more I think about it, I think it would be more likely to be Ninebark. Hope this helps :) Here is a link that might be useful: Ninebark

The plant has a tag from an earlier owner of my last home: "Crimson '83", but I don't remember it looking like Crimson Tide. It had leaves and blossoms closer to R. calendulaceum. This post was edited by rhetrx on Tue, May 7, 13 at 10:27

I'm going to go along with Rebutia albipilosa . Seems to match the characteristics I'v found soo far. Thanks all! Dav!d

Godetia (syn. Clarkia) is indeed an annual, but I too would agree to leave it alone to see what happens this season. I agree with Al that plants do not perform according our calendar. While the definition of an annual is a plant that completes its life cycle during a single growing season, failure to bloom and set seed in that growing season can very well extend the life of the plant into a second season, as it has not yet completed its intent - to bloom and produce seed and reproduce itself. FWIW, I can list a number of "true" annuals (as opposed to tender perennials or biennials) that can survive longer than a single season. It will depend a lot on environmental influences, but plants tend to be extremely adaptable and the genetic predetermination to reproduce can be very flexible. Believe it or not, deadheading to remove spent flowers and prevent the plant from setting viable seed can go a long way in increasing the life expectancy of a single season plant.