The bottom third of the image is very strong with nice tonal range. I find the sky a bit lacking and flat. The white house on far left draws the eye a little out of frame, and could be cropped off. All in all a very good effort.
I think this image would benefit from cropping to a panaorama format, removing most of the sky and some of the bottom water. Make it wide and short, keeping just the interesting parts of the water and sky. It could make it a sweeping image pulling from the darker houses left to the bright spots right, rather than immediately pulling all the way right then up and down between the cloud and the reflection. Leave it alone... it's still a nice shot.
Steve Luminous Visions Centerpiece Photography for Every Room LuminousVisions.com