hxxps://www.youtube.com/watch?v=4E6azbRi2SM
This is a horror indie-film available on YouTube, 'The Trees Have Eyes'. Girl in question goes skinny-dipping and gets her clothes stolen a-la Friday the 13th Part II, or The Burning. The scene's a little chopped up.
11:40 - she takes her clothes off and goes in for a dip
20:22 - guy steals clothes without her noticing
24:38 - she comes out of the lake to find her clothes missing and goes looking for them (scene ends with her being attacked and eaten by zombies)
Front and rear nudity. I've been going on an indie-film kick lately. Indies have got a wealth of nude scenes and enf scenes (especially the horror films). I'll try and post any that I find, if I can't already find them here. Indie movies are an untapped market, they tend to be less shy about showing more nudity and for more extended periods of time, and the girls they show are often girl-next-door types rather than Hollywood Starlets. As an added bonus, every once in a while I come across a hidden gem that's actually a pretty good movie

hashtag supportindiefilm lol.