There are several small lakes in the «Tri-lakes» area (Monument, Palmer, Woodmoor and now Forest Lakes), some creeks running through the Ute Pass area and on
the northwest side of town slightly south of the Air Force Academy, and creeks in Fountain and the Cottonwood area.
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A lot
of the new growth I've seen in the last decade or two has been on the west
side of town - lots
of new restaurants & retail toward the
northwest, manufacturing to the west, & restaurants and retail to the southwest.