Estimation of current and future loading from watershed is necessary for the sound management of water quality of an estuary lake. Pollution sources of point and non-point source pollution were surveyed and Identified for the Koheung watershed. Unit factor method was used to estimate potential pollutant load from the watershed of current conditions. Flow rate and water qualify of base flow and storm-runoff were monitored in the main streams of the watershed. Estimation of runoff pollutant loading from the watershed into the lake in current conditions was conducted by GWLF model after calibration using observed data. Prospective pollutant loading from the reclaimed paddy fields under cultivation conditions was estimated using the modified CREAMS model. As a result, changes of pollutant loading into estuary lake according to non-cultivation and cultivation conditions of reclaimed tidal land were estimated.