Horrid woman in B horror flick dragged into lake by skeleton

OK, saw this on TV as a kid in the early to mid-80s but film may have been from the 70s. B horror flick. In English. Pretty sure it was in color. Don’t remember the plot but it featured this vicious woman who I seem to recall was very mean to a young girl who may have been her daughter or stepdaughter.  Some supernatural elements in the film  but I can’t remember what. The scene I remember is the end of the film, which shows the woman standing by a lake in her nightgown, lured there by the sight of a man she loved who is standing in the lake.  He may have called to her as well.  She’s very happy to see him, calls his name, walks into the lake and, when she gets to him, the man turns into a skeleton and drags her under. I recall the final shot of the final of the film being underwater showing her struggling with the skeleton but that may not have been the very last shot.

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