Water is a very interesting substance because it is most dense as a liquid rather than a solid. Specifically water is most dense at 4 degrees Celsius or ~39 degrees Fahrenheit. This is the phenomenon that allows ice to float and keeps our freshwater lakes from freezing solid in Minnesota’s northern climate.
For “turnover” or the period when the portion of the lake below the thermocline (hypolimnion) mixes with the portion above the thermocline (epilimnion) the maximum density point of water is important as well.
Absent any outside influence if a lake cooled once it reached a surface temperature of 39 degrees Fahrenheit that surface water would begin to sink to the bottom displacing the water already there and pushing it to the surface (thus turnover).
The reality is that lakes are not isolated like that. They each experience wind and many have springs or inflowing streams that cause turbulence in the water. The closer the temperature of the two portions of the lake are to one another the the easier it is for that turnover to happen. Thus a gentle breeze on a stratified lake may do the trick at 42 degrees, but that same lake may need a strong wind at 55 degrees. In shallow lakes thermoclines may not develop because the mixing effect of winds keep the temperature of the lake fairly uniform.
Thermoclines often develop under the ice during the winter, but in this case the warmer water is near the bottom at ~39 degrees while the ice covered surface is 32 degrees. Because these temperatures are very close winter thermoclines are more fragile and even small amounts of current can cause them to mix. They would likely not be able to maintain themselves if it weren’t for the ice cover protecting the lake from the mixing effects of wind.