There's a subdivision lake in our neighborhod that is so blue we call it "Lake Tidy-Bowl."
BUT... we have a structureless mud-basin of a retention pond (er, lake) with no grass or lilly pads, and a concrete lip around the entire lake. A few fountains in the middle, it looks pretty nice as you take your evening stroll. Only structure is the slope of the lake, and fish seem to congreate in curves. Even so, it is stocked and is a decent, not great, fishery. There are fish being grown in there; bass caught in all sizes from fingerlings up to 8 pounds. last June I watched as my son pulled out three bass in a row that pulled the boga to five pounds. Lots of smaller bass, tons of perch, and many catfish. A nice way to spend a Saturday morning - a cup of coffee, a five wt fly rod, a few wooly buggers, and a handful of perch and bass.
Would love to see these eveloped into real habitat, but good luck getting a management group to make that much ofr an investment.