The correct answer is - Water has a high specific heat capacity, so it takes a lot of energy to increase its temperature.
The water is well known to be heating up and cooling down much slower than the ground. This is due to its high specific heat capacity which requires much more energy so that the temperature of the water rises. Also it should be taken in notice that the water bodies are very often with big depth so the sun rays only reach the upper layers of it, or it is moving relatively quickly so the sun rays are much more dispersed are can not heat it up properly even if the depth is very small.