Glen, the general area you're in should have clay 2-4 feet below the surface dirt, I doubt you would need a liner to hold water. But, get a dozer expert in there before you even start, you'll be suprised at his observations. His estimate should be free, he should also give you watershed estimates along with several building options. Your cost will be directly associated with how many cubic yards he has to move. The slope of your land will be a big player too. One thing to remember, you'll only get to build the size once, stretch the pocketbook to maximize the size, you won't regret it ! Good Luck !
