Sounds somewhat similar, except that mud is not much of an issue, and leaves from run-off don't seem to be either. There are some natural sediment ponds that seem to trap the leaves that come down from rain run-off through the hollow (far end of photo). Our pond is in the Ozark hills and much of the terrain is rock.

It's just that the slopes on two sides of the pond are very steep and high (right and left side of photo), so any leaves from those slopes typically end up in the pond. It's rugged terrain, and raking up leaves is pretty much out of the question.

Right now I'm leaning towards an application of Cutrine plus and then a bacteria treatment. Not sure if I should wait for the bacteria treatment, or how long to wait. Any other thoughts are most welcomed. \:\)