We are also in a similar situation, small uninsulated, can't support a second floor and about 40 ft from the water. We had to replace the septic when we bought the Cabin 2 years ago, we used Ames Associates for the septic design and were very happy with them. They can help with surveying and permitting.
It's never too early to start planning, as others have said a survey is a good place to start, I personally will bring in an architect, but I have one that I trust. Also if you want to do any improvements near the water its can help to bundle them up into one permit application with the house.
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