Any place with a lot of trash is hard to detect with a CZ21 - even if you have the smaller 8" coil. It doesn't really matter whether it's fresh water or salt water - trash is trash.
The PLUS to hunting a spot like that if other folks have been there detecting, they've most likely given up - you'll be able to tell fairly quickly after a couple hunts if that's the case or not. The negative of course is like what Scuba said, to really pull out the good stuff means you're going to have to pretty much dig most everything for awhile - just get out there and start cleaning it out. If you have a floating sifter, that would speed things up - just scoop and dump, rinse and repeat over and over. It'll be frustrating at times and you'll get tired, but it's the best way to get the gold out of there.
You could always set your descrimination high like you are and just start cherry picking the high tones - then gradually reduce it. If you do that and start pulling out lots of clad or older coins, it's a good sign that it hasn't been hunted much.
One quick thing I noticed about freshwater lakes that have lots of trash - put a finer screen in the bottom of your scoop so you can catch the little crap like lead fishing sinkers and stuff that size or you'll go nuts trying to chase those things around as you scoop. The key to really trashy water areas is to get stuff pulled up as quickly as you can. Over time it'll reward you.
Just one last word of advice for CZ20/21 users. I've gotten to the point where I often hunt in autotune (all metal) mode and switch to 0 Descrimination when I get a signal to see if it's iron or not (This probably isn't going to work for you in a really trashy spot right away cause you'll get so many signals), I can tell you that more than a few times though when I get a signal in all metal that sounds weak and deep, I'll dig it no matter whether it sounds off as iron or not - I've pulled a good share of gold and even silver out that way - you'll be surprised how often something deep will give off an iron tone until you take out a scoop or two and check it again - seems as though deep targets are not always identified correctly - digging in the sand is easier than land, so it's not that much effort to dig those signals.
have fun