If you have a boxblade to go with your tractor, you can surely build a pond yourself. You just need time and weather on your side. My BIL had a nice 160 foot x 100 x 6-12 deep pond built to conform to the Ark. Ag extension requirements for some reimbursement costs and it was $5500 for the dozer, backhoe operator costs and took about a week to build. I couldnt have built that with my tractor although digging in dirt would have been ok, but the contractor found some large rocks below grade that he had to roll out with the dozer and one even larger that he just had to dig around as it was too large even for his backhoe and dozer to move. The pond had to be minimum 6 feet below natural grade and 12 feet deep including the berm height. That would have been a lot of digging even in straight dirt without the rocks. In my pond which is less than 300 yards from his, I dug it till I hit shale which was about 4-5 feet below grade. I dont know how thick the shale is here, but I didnt want to go into it as it would have leached out the water. When I started hitting the shale, I stopped and left a few inches of clay on top. It holds water well so far. Also whenever I dumped the bucket, I would raise it up very high and let it plop down to kind of compact the dirt as it was places in the berm. I also walked up and down on the sides with the tractor as I was building it up. After I got it about the heighth I wanted, I struck off the top using the FEL bucket from each side and walked in the berm with the front wheels (that took a lot of F/R action) Then the tricky part came when I had to drive around the top with the boxblade to make it flat and wide. That was kind of scary driving around on a 8 foot high berm that at first was not even as wide as the tractor as it was still kind of peaked in the middle. After I knocked down a couple of feet off the top and spreaded the dirt to make is about 7-8 feet wide at the top, it was not so scary and I could drive around it much easier and continue to pack it down.