mecatfish,

Is there a reason you say you don't have Muskrats?

What you have described is a perfect Muskrat den. I've never seen a turtle burrow into the bank but I've got dozens of 'Rat dens around my pond, some above water line, some below depending on the water level at the time.

In the fall the turtles will burrow down into the mud bottom a few inches in sort of a hibernation.

Dan

Mistakes are proof that you are trying.


Dan