Well, it depends how much work you want to put into it. If you want a modest place, you can set it up so there isn't all that much work. Put in the right grass types and it's about 3 or 4 trips per summer to mow, which you were probably going to make anyway to fish.
Overall, every couple of years there's a true work weekend at our camp. And that's typically when something big goes wrong that needs fixed. That's about it. We all clean up after ourselves each trip (sweep the floor, etc). If something needs fixed, you fix it. Furniture, TV's, etc. are hand-me downs from homes. Anytime anything useful would be sold at a yard sale or thrown out, you simply ask whether camp could use it.
The worst thing is costs. Most bills have a minimum fee. For instance, we have electricity, but pay way more than we use. Minimum monthly fee even if we use zero! We have oil heat, but figure we might as well run electric heaters since they don't add to costs.
Regarding the "on a trout stream" though. I'd say forget about that. For one, that same section of trout stream gets VERY boring after a little while, IMO. I'm the type that loves to fish a lot of different waters. Second, it's a heck of a lot more expensive. And third, you got flood plain issues, more concerns about people on your property, etc. Just pick a good general region of the state, and find a good cabin in that area. It doesn't have to be RIGHT on the stream.