Where have I lived near water...
Grew up with a small creek running through the property. I used to swing across it on a grapevine (like Tarzan), hunt for crawdads under the rocks, and hike up and down it. I once drank from a small pool of water in the creek, and then found the remains of a dead dog a little further upstream.
Upstate NY, lived on the shores of Lake Champlain, more or less. We had a beach on the AF base - never went to it once in five years. The most interaction I had with the water was taking the ferry over to Vermont. My to-be wife's dad had a boat, and one summer, we all went out on Mirror Lake (very near Lake Placid), and I was bored stiff.
San Antonio - famous for its riverwalk right through the city - smelled bad and looked very dirty to me. We also went to Galveston, which was just about the dirtiest city I'd ever been to, and South Padre Island, which wasn't much better, and smelled bad.
Worked in Oxfordshire (RAF Upper Heyford), and the only water I remember there was a nearby canal with canal boats. Moved to Cambridgeshire and lived within a 10 minute walk of the River Ouse, very nice and gentle. I rather liked that one.
Delaware, just flat and marshy and smelly. That's what I remember of that.
Minnesota, The Land Of (slightly more than) 10,000 Lakes - it was hard
not to live near water there. Our house was one street back from Prior Lake, and I used to walk the dog down there, and we had a sizable (public) pond that butted up against our back yard. I used to walk around Lake Calhoun at lunch sometimes (just like Mary Tyler Moore did in her show's opening credits). Drove over the Mississippi and Minnesota rivers pretty much daily.
Where I live now, I'm about 10 minutes from two lakes (either direction) and a river that features a lot of drunken tubing in the summer.
As a kid, the first time I saw the ocean was when we went to St. George Island in Florida. Very upscale, wealthy community...and it smelled like an outhouse to me. We also went up to the UP (Michigan) and I liked taking that bridge across, that was thrilling, but the water didn't do much for me.