Nitrogen loads into Lemon Bay, Florida were modeled to have increased ca. 59% between pre-development (i.e., 1850) estimates (5.3 kg TN ha(-1) yr(-1)) and estimates for the year 1995 (8.4 kg TN ha(-1) yr(-1)). By the year 2010, nitrogen loads are predicted to increase an additional 45% or 58%, depending upon progress being made toward replacing older septic tank systems with centralized sewerage (nitrogen loads of 12.2 and 13.3 kg TN ha(-1) yr(-1), respectively). Using 1995 estimates, nonpoint sources (stormwater runoff) are thought to be responsible for ca. 76% of the annual nitrogen load, folllowed by septic tank systems (14%), rainfall (10%), and an insignificant load from baseflow. Based on an empirically-derived nitrogen load:chlorophyll a relationship developed for a portion of nearby Tampa Bay, a 45% increase in nitrogen loads into Lemon Bay could result in a 29% increase in annual average chlorophyll. a concentrations. Using the estimate of a 29% increase in future chlorophyll a concentrations, an empirically-derived optical model for Lemon Bay suggests that light attenuation coefficients in the bay would increase ca. 9%, and the average depth limit of Thalassia testudinum in Lemon Bay would decrease by ca. 24%.