Here's a rough demo of what I mean, John. I ended up decaling the water with a royalty-free seamless water texture I found online. I've attached the texture and it's normal map to this post.
Adding transparency and a bit of reflectivity gives it a more natural look, lets you see what's below the surface and gives you that mirror-like quality of water.
Also bitmap plus is a material that lets you cover a big area in a texture without needing to tile it yourself. I've added a screen grab of how to get to it.