This is my first effort at a major 3D model, so please forgive the crudeness 
of it. The picture is of Whoop-Up Drive on a foggy day, with some ground fog 
over the river. It was created in 3D Studio Max 5.0 over a period of several 
days.
The terrain was created by modelling a box, then adding a height map created 
freehand in Photoshop 6.0. The main source of data came from a postcard 
purchased in the Student Union Service Center, as no topographical maps of value 
could be found in the university library. The water was added next by adding 
another box inside the terrain box. Reflectiveness was added via ray tracing 
along with a bluish tint. Ripples were created using a noise map. The highway 
was composed of several lofts created with rectangles and lines. The forest on 
the far bank is composed of low polygon trees created at the last moment. A 
displacement map was applied to a sphere creating an irregular shape. The ground 
fog was created with a gizmo with environmental volumetric fog on the inside. 
More volumetric fog was added above it, but not as thickly.
Given more time, I might have added traffic, a better texture on the pavement, 
higher polygon trees, grass, more weather effects, and possibly a slightly more 
accurate topographical map of the area, as well as animations.
 
"There is not now, and never will be, a language in which it is the least bit difficult to write bad programs."