Thalassophobia

Ryan lives with the thoughts and fear of dying deep into the ocean, she drowns in thoughts as her head overflows relentlessly with fear. She dreams every single night of dying. One mystical church bell rung late at night next to the lake, where a body was reported entering the water, matching exactly the description of Ryan. A red head with shiny, glistening hair, freckles leading up to her jawbones and sharp bushy eyebrows. Was it her? If not, who was it? Why was she at the lake at night? Why did the church bell ring when she died? Was the church bell a coincidence? How did someone know her exact features?