She is to the left of the loch in a small lagoon. You will need the Pennywhistle.
The actual Nessie photo is the THIRD photo you take at Loch Ness. On your first visit there, you get the camera and a rowboat ticket from the dart game at the Pub. You get a photo of humps in the water, and eventually take this to Mews to analyze. But the photo you get is of truck tires, and a shadowy Nessie.
On your second visit, you get a submarine ticket, but the photo you get is of a movie prop. After showing this at the Pub, you get the Pennywhistle that lets you call the real Nessie on your solo trip in the rowboat. This closeup photo goes back to Mews and confirms the existence of the Loch Ness monster.
Nessie is a nickname for the Loch Ness Monster. =D
The prize for spotting Nessie during the Cryptids Island preview (beginning December 2, 2010) was a Nessie Hat. (see related link)
The prize for spotting Nessie during the Cryptids Island preview (beginning December 2, 2010) was a Nessie Hat.
The prize for seeing Nessie on the Cryptids Island Preview was a Nessie hat.
take a picture
You look through the viewfinder at lochness.
During the special preview of Cryptids Island (beginning December 2, 2010), anyone who spotted Nessie got a special Nessie hat. However, you could not always see Nessie, and when you did she was a distant shape on the loch. (see related link)
Dive to the bottom and then go left.
The viewfinder game was part of the demo of Cryptids island and had almost nothing to do with the quest. It was possible to see a hazy outline of Nessie after you saw the dog barking. If you did, you received a Nessie costume prize.
Yes, you can find proof of The Jersey Devil, Bigfoot, Nessie, and the Chupacabra. (see related question)
The prize for spotting Nessie during the Cryptids Island preview (beginning December 2, 2010) was a Nessie Hat or other various costume prizes, from the Nessie follower to the Bigfoot costume hat. (Nothing but "virtual" prizes for your avatar.) (see related link)
If you use the sub, I think you will find/see? Nessie.