Can you get just as tan at a lake as you would at the beach?

Just a thought, I want to go lay out somewhere and relax. The lake is closer to me, 10 minutes away and the beach is about 30 minutes away, but if I can get the same tan over at the lake that'd be nice. I know it has something to do with the reflection of light off the water making the ions in the UV stronger or something. Someoen give me an educated answer (: