In Virginia, we have the Chesapeake Bay Act which is very restrictive on what you can do regarding wetlands. We discovered an underground stream on our property which we wanted to utilize to create a pond. County permits, a topo survey with regard to the Chesapeake Bay Act and wetlands, Army Corps of Engineers to evaluate the clay content in the soil for use as a dam, digging of the pond, construction of dam inclusive of overflow piping and granite rock spillway, lawyer to draw up papers for HOA and all homeowners which would be "downstream" in the event of flooding/overflow not working/dam giving way, etc. We have our pond which is 3/4-1 acre in size and love it but there was ALOT involved to have it. Had we not gone the legal route and just "dug a hole" there could have been massive repercussions should a problem have arisen. After the pond was completed and we stocked it, the Fish and Game would have stocked it for free for us, however, anyone could have then come on our land with a fishing license and fished in our pond. We chose to pay to have it stocked so that the pond stays private to us and our land. We also have the property heavily posted against trespassers and are in the process of fencing our entire property. We are not mean or reclusive, we just don't want anyone coming on the property, getting hurt and sueing us.