This study examines the spatio-temporal dynamics of land use/land cover (LULC) change and its impact on water quality in Ibadan North-West, Nigeria, using remote sensing techniques. Landsat-7 ETM+ (2014) and Landsat-8/9 OLI/TIRS (2023) imagery were analyzed to classify LULC and extract water indices. Water quality was indirectly assessed using the Normalized Difference Water Index (NDWI) and Modified Normalized Difference Water Index (MNDWI), Over the study period, water bodies declined from 89 to 9 hectares, and vegetation cover reduced from 1,315 to 359 hectares. In contrast, built-up areas expanded from 1,450 to 2,486 hectares, reflecting intensified urbanization. The MNDWI, values in 2014 ranged from -0.3687 to 0.0744, while in 2023 they declined to -0.2282 to -0.0129. NDWI values, already negative in 2014 (ranging from -0.3430 to -0.2812), declined further in 2023 (ranging from -0.0101 to -0.0612). These shifts reflect a diminishing presence of strong water signals across both years. Change detection further reveals that NDWI recorded a total water loss of 368.38 ha, while MNDWI showed a smaller loss of 77.21 ha. This contrast highlights that NDWI captured broader, more general water loss including turbid and mixed-pixel areas, while MNDWI, which is more sensitive in urban settings, detected more conservative changes, primarily in clearer water bodies. The combined analysis underscores a clear reduction in surface water extent and quality over time, driven by land conversion and urban encroachment.