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Get too close, and the monster will submerge into the water. However, it has to be during the climax of the heist.
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Somewhere off the coast of the island, players can spot the creature. While the Loch Ness Monster made no appearance in San Andreas, Rockstar did include the monster in the Cayo Perico heist from GTA Online. A few San Andreas players claimed to see it in places like Fisher's Lagoon or the Ghost Lake in Back O' Beyond. A reported inhabitant of the Scottish Highlands, Good Old Nessie is a long-necked creature that lives in large bodies of water.
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One of the most well-known hoaxes in modern history is the Loch Ness Monster.
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