When I lived on the lake, our house was actually built partially over the natural shoreline. We had a breakwall in which was planted a yard and trees that extended out past the shore about 30 feet. My bedroom window on the second floor was adjacent to the shore, and there was a rocky beach directly beneath it. So I got a similar lullaby - especially in the cool fall and spring months when I could keep my window open a crack all night. I only got to have that for about 5 years, but I can still remember exactly what it sounded like. The combination of that and the thick, oily leaves of a sumac tree making a sound like wind chimes in the nightly breezes used to lull me to sleep. Lovely, lovely. The palm fronds down here in Florida make a similar sound to those leaves in the wind, but I miss the sound of the water.
My husband and I talk regularly of buying a condo on the beach when we retire/when Will (our five-year-old) goes to college. He's had a few brief stints of living on or near a beach in his life and misses that sound, too.