What's that old saying? An item is worth what someone is willing to pay? The trick as I see it is to hopefully locate that "someone", rather than depend upon market value. A lending institution will not place a value based on what that special someone will pay, as it may be awhile, or never, before he or she shows up.
Custom touches, and I'm including ponds in that category, are a hit and miss proposition. Some may love it, while others want no part of it.
