From Nookipedia, the Animal Crossing wiki
CF Bay.jpg
Type Water
Generation probability Common

A bay is a geographical feature that can be found in a player's town in Animal Crossing and Animal Crossing: City Folk. Bays have the appearance of a small lake located next to the town's sea, however, there are two different types of bays, the non-beached Bay and the beached bay.

A non-beached bay can be defined as a bay that does not encompass a beach. As a result, a number of flora that can usually be found further inland can be found within the bay's boundaries, including weeds, Oak Trees, and flowers. In Animal Crossing and Animal Crossing: City Folk, the town's lighthouse can be found on a non-beached bay, providing light for nearby ships.

A beached bay

As its name suggests, a beached bay is a bay with a beach. Unlike non-beached bays, flora and objects that are found near the town's coast appear frequently on beached bays such as shells and palm trees.