Bill, I have no idea how non-stocked fish get in a pond. I do not believe in the story of birds carrying them on their feet. However, I have heard several pond pro's say that if you leave a pond alone for a couple of years, it will have fish in it. The ones I have talked to say they don't have any idea how it happens either.
In my own version of a money pit, I have Warmouth, green sunfish and some kind of beautiful yellow sunfish. I didn't stock them. I also have mussels. This was new ground when I built the pond 2.5 years ago.
In a question to Bob Lusk a year or so ago about mosquito fish, he told me he could get me some but I would probably get them without stocking them. How? He said he didn't know either.