Here in Michigan, there are several classifications for waterways. They may be different in Florida.

If you are on a parcel of land that is a private development (including condos and apartments), and the development completely encompasses a body of water, that is private property that is restricted to use according to the restrictions of the property owner or the condo association.

On lakes that have ownership surrounded by individually owned properties, ownership extends to or into the water depending on the deed. If there is a publicly accessible boat launch or road end it is open for use but you may not pull up on shore. If you must cross private property to access the water, it is trespassing.

If you are on a stream that is not listed as a "navigable waterway", that is one that you could not boat down (though the definition of "boat" is not clear) you are trespassing unless you are on state land (such as road right-of-ways).

If the stream is a "navigable waterway" it will be listed on a state list of navigable waterways and you can travel on the waterway or stand on the stream bed but not on the banks if they are not state owned land or otherwise open to the public.