I just found this subreddit, and realized I have an experience that absolutely belongs here.
The week after my friends and I graduated high school, we (myself and four other girls) were graduation-party hopping and decided to call it a night.
One of the girls' parents were out of town, so we went to get house and my friends had a few drinks. I was driving them home so I abstained, which I was later very grateful for.
This house was in a fairly rural area, about a 2 minute walk from a medium sized lake with a small beach and several houses around it.
We grew up here and felt comfortable here, so after a while the girls said they wanted to go jump in the lake.
It was 1AM and I was completely sober, so I said I would accompany them but stay on the beach. I'm not a strong swimmer and I have a fear of dark water.
At the beach there was absolutely no light pollution or streetlights, and all house lights around the lake were off.
We could barely see our hands in front of our faces,
but I sat on the small dock (about 10 feet long) while the girls stripped down to underwear and swam out to a small raft anchored about 50 feet from shore.
We were talking back and forth and laughing when suddenly a back porch light on the opposite side of the lake turned on.
Very clearly, I saw the silhouette of a man in a canoe about 3 feet away from the raft and getting closer. One of the other girls saw it too, and started screaming to get back to shore.
The light turned off. They all jumped in the water and I somehow managed to make myself wait until all got to shore before running back to the house faster than I have ever run.
The girls had left their clothes on the beach, so they borrowed some and I drove them all home after we stopped being hysterical.
The girl who lived there stayed with someone else that night instead of sleeping in an empty house.
They went back to the beach very early in the morning, at dawn, and all their clothes were gone.
I am so glad that light turned on, and I don't want to know what would have happened otherwise!