RedactedNarrative: Vessel was reported to be taking on water while returning to the dock. A passenger noticed water flooding back by the transom. They could not locate the source. Bilge pumps were unable to keep up with the water. A commercial towing service was flagged down and unable to keep up with the intrusion of water. The vessel was found capsized in a navigation channel and towed out of the channel and salvaged the next day. No injuries. Vessel was total loss.