Along the left side and behind the hole beyond the fence is OB. If the ball exits the golf course on the left side OB then PHGA Local Rule #2 - Alternative to Stroke and Distance applies.
The creek is considered a red penalty area. Your options for relief are found How to take Relief from a Red Penalty Area under the Rules of Play section of the website.
Balls touching the metal edging along the creek are considered to be in the penalty area.
If the ball is not touching the metal edging then swing relief is provided for the metal edging and metal rods connected to the metal edging that may be exposed above ground.