POndslave, You can expect a lot of suspended 'stuff' in a new water hole. I would hold off and see what happens. Could the name of your area, Red Bluff, be contributing to the clarity? How about other pond owners in the area? What is their situation? I would be a little concerned about a drop from 20 ft. to 12 to 13 ft. Keep an eye on that. All new ponds rise and fall for the first couple of years but that seems like a lot.
