There are several sets of lyrics that people have set to this tune, and I have to admit that I don't much care for any of them.  However, people do ask about them quite regularly here.  A good tip is to use the "Digitrad and Forum Search" prominently displayed on the main Forum page; typing in midnight on the water will find you a whole host of previous discussions, including the lyrics you are looking for, which have been posted here at least twice, for example at: Lyr Req: Midnight on Water

Malcolm