The crossword solution for the term 'playful water animal' is 'otter'. Otters are semi-aquatic mammals that live in rivers, lakes, and oceans. They are known for their playful behavior and are often seen sliding down muddy banks or playing with rocks and sticks. Otters have webbed feet and a thick fur coat to help them swim and stay warm in the water. They are also very social animals and can be found living in large family groups.