Cincinnati is 3-4 hours from Dale Hollow Lake in KY. Beautiful area! Lillydale Campground on Dale Hollow Lake looks like it provides what you're looking for. This site: LREC2 is lakefront with water and electric hookup. Go to: www.recreation.gov and search for Glasgow KY and you will find lots of campgrounds in that area. Look to the rite of the list of campsites and it tells if it's waterfront. If you want to stay in Cincinnati area, we like the county park Winton Woods. Not lakefront but a really nice park with full hookups.
Another of our favorites although way in the country is Bailey's Point on Barren River Lake. Be sure to take everything you need with you. A few waterfront sites but you can bike or walk to the swimming beach from any site. Some sites are up on a bluff overlooking the lake with no lake access from the site.