I can tell you here in Georgia that a lake brings a good return on land I have first hand experiance....But it is all what you pay for the whole package...land and pond...But $20,000 sound really cheap for a 10 acre lake!!! I paid $45,000 for my 9.3 acre lake and I think I got a good deal!! Man!! I tell you the contractor I used was really GOOD!!! I meam Dang good....