From the Painting Guide: It seems somewhat incongruous that the bank in the foreground and the colour of the trees in the distance have retained their autumnal appearance while the two trees in the foreground have had foliage returned to them. The cropping of the trees in the foreground has also produced a break between the sky and the rest of the painting. The trees in the photo unify the two. Having increased the height of the trees on the right-hand side of the house, makes that bank appear closer than in the photo. I don't know whether it was intentional or not, but you've changed the perspective; you're looking down from higher in the painting than in the photo.

Looking at the water and the reflection, I wonder if you painted the water, then ripples on the water, then reflection on top of this. Painting the reflection first makes it easier to get it "right", then impose the ripples on this, lifting off the colour to create the highlights. Take another look at the directions of the ripples in the water, particularly in the bottom right-hand corner. In the photo you can see that they come in parallel to the shore, whereas in the painting they don't curve around the shore by the tree but hit it at an angle. The ripples have also become more hectic, more like waves than gentle lapping water. Also take another look at the length of the ripples; they seem rather long.